What's not covered?

Listed below are the conditions and treatments that are not routinely covered on the Bupa Heartbeat health insurance policies. Full details can be found in the 'Bupa Heartbeat health care select' membership guide

• ageing, menopause and puberty
• AIDS/HIV^†
• allergies or allergic disorders
• birth control, conception, sexual problems and sex changes^†
• chronic conditions^†
• complications from excluded or restricted conditions/ treatment
• convalescence, rehabilitation and general nursing care^†
• cosmetic, reconstructive or weight loss treatment^†
• deafness
• dental/oral treatment (such as fillings, gum disease, jaw shrinkage, etc)^†
• dialysis^†
• drugs and dressings for out-patient or take-home use^†
• experimental drugs and treatment^†
• eyesight^†
• HRT and bone densitometry^†
• learning difficulties, behavioural and developmental problems
• overseas treatment and repatriation
• physical aids and devices^†
• pre-existing or special conditions
• pregnancy and childbirth^†
• screening and preventive treatment
• sleep problems and disorders
• speech disorders^†
• temporary relief of symptoms^†
• treatment in a hospital that is not a Bupa Heartbeat hospital
• unrecognised providers or facilities