Best Doctors is available for the life assured and their immediate family to use as many times as they need to. Best Doctors can provide additional advice on critical, chronic and degenerative conditions after the person who is suffering the condition has seen a specialist . The Best Doctors service can be accessed regardless of whether the condition is covered by this policy. Best Doctors is independent of Sovereign and Best Doctors terms and conditions and eligibility criteria apply. Neither Sovereign , its related companies, nor their directors, officers or employees accept any liability whatsoever for any loss or damage arising out of the use of the Best Doctors service, or the unavailability of Best Doctors. Sovereign is not responsible for any cost associated with becoming eligible to use, or use of, the Best Doctors service (including without limitation the cost of any medical consultations or treatment, travel, lodging, telephone calls, faxes or mail), unless covered by Sovereign policy.
Contact Best Doctors on 0800 425 005.
Best Doctors and the star-in-cross logo are trademarks of Best Doctors, Inc., in the United States and in other countries and are used under licence.
3. Exclusions
Sovereign will not pay any expenses incurred in relation to, or as a consequence of, any of the following:
> Any accommodation, flight and/or transport, except where expressly covered by a benefit in this policy; > A pre-existing condition , unless the symptom or condition was disclosed at the time of your application and accepted in writing by Sovereign ; > Any congenital conditions , except where expressly covered under the Congenital condition surgery benefit in this policy; > Reconstructive or reparative procedures or surgery, which result from, or which are traceable to, or are medically related to, any surgery performed prior to the risk commencement date ; > Any elective or cosmetic procedures and associated treatments (including, for example, surgery for breast enlargements, facelifts, varicose veins); > Breast reduction surgery (except where expressly covered under a benefit in this policy) and gynaecomastia; > Acne treatment, except where classified by a specialist as Grade 4 acne with serious medical implications; > The misuse of prescribed or non-prescribed drugs, including where they have not been taken in accordance with the manufacturer’s or a registered medical practitioner ’s directions; > Certifiable mental disease or psychiatric illness or any charges relating to services resulting from a referral to, or provided by, a psychiatrist. This includes all counselling services; > Suicide, self-inflicted injuries or illness. For the Waiver of Premium benefit and Bereavement grant benefit, this exclusion only applies for the first 13 months from the risk commencement date ; > Any accident, illness, condition or disability arising from, or caused or contributed to by, drug taking, intoxication or misuse of alcohol, or nuclear contamination; > Obstetric visits, pregnancy, childbirth, abortion, or any conditions or complications arising from any of the foregoing;
> Contraception of any type;
> Diagnosis, management and treatment of infertility;
> Circumcision, except where medically necessary ;
> Diagnosis, management and treatment of snoring, except where a specialist confirms diagnosis of sleep apnoea and the surgical treatment is medically necessary (pre-approval of any claim for treatment must be sought or obtained from Sovereign before any costs are incurred); > Any geriatric or dementia conditions, including disability support services; > New medical treatments, procedures or technologies that have not been approved by Sovereign ; > Treatment requiring periodontal, orthodontic, endodontal or cosmetic procedures , including, but not limited to, conditions arising out of neglect of dental services except where expressly covered under a benefit in this policy; > Sterilisation (except as provided under the Loyalty Benefit);
> Any surgery for the correction of refractive visual errors;
> Preventative treatment, or treatment or investigation of any condition that will not cause significant problems for the health of the individual if medical treatment is not received (including, for example, routine screening or mole mapping); > Treatment for obesity (including treatment of complications arising from any treatment for obesity), except where expressly covered by a benefit in this policy; > Bariatric surgery for any condition including but not limited to obesity, diabetes and sleep apnoea except where expressly covered by a benefit in this policy > Any disease or disorder of the skin or psychological treatment);
> Renal dialysis;
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711 ABH-BS version 8 Effective 08 April 2022
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