Indigo Expat Homepage > Exclusions, procedures & prior approval
Expatriates’ insurances : exclusions & procedures
Once you’ve defined your needs and you’ve selected the corresponding benefits, take enough time to read the exclusions.
Exclusions are part of the contract and are as much important as the Table of Benefits. Additional limits or restrictions can also be mentioned in this section.
Ex: you’ve read that hospitalisation is covered up to 100% and therefore you think that your plastic surgeon will be reimbursed. However, if you read the exclusions, you will note that plastic surgeon can eventually be covered only in certain cases (as a result of an accident for example).
Prior approval / treatment guarantee
It is also very important to read and respect procedures, especially when direct payment is required.
As it is done by the French Social Security for example, treatment guarantee is obligatory for certain benefits (in patient, maternity,..).
For a better understanding and for legal reasons, main and technical words are defined. You should find these definitions in the General Conditions or the Beneficiary Guide. It is probably much better for you and less risky to know what is covered and excluded instead of having a too large “grey zone”.