Yes. Pre-existing conditions may be excluded if not declared.
Some benefits have limits, waiting periods, or require pre-approval.
Out-of-network treatment or no pre-authorization may reduce your benefit.

You`re covered within the selected geographical area.
Limited cover applies for sudden, unexpected treatment outside that area.
See your Policy and Table of Benefits for full terms.

You must fully declare your medical history.
Inform us of any changes to your health, address, or occupation.
Keep your details up to date throughout the policy term.

Contact Healthwatch before planned hospital treatment or in emergencies.
Provide full documentation, including medical reports and receipts.
Email dcare@healthwatch.gr to request a claim form.

Premiums can be paid monthly, quarterly, semi-annually, or annually.
Payment is due by the agreed date - delay may lead to cancellation.
Pay by SEPA or bank transfer.

Cover starts when we receive payment or on your requested start date.
The policy runs for 12 months from the start date.

Send us written notice.
Cancel within 30 days (no claims) = full refund.
Cancel after 30 days (no claims) = pro-rata refund.

MEDICAL Cover on a Full Application option: the insurer will decide whether cover can be provided for each Pre-Existing
Condition (as defined in the Policy Wording). If the insurer decides that cover can be provided, you will be advised of the
terms that apply.

Medical Cover on a Moratorium Application: there will be no cover for any and all Pre-Existing Conditions (as defined in
the Policy Wording) for a minimum of 24 months continuous cover from the Effective Date. Depending on the
circumstances, the insurer may be able to provide cover for a Pre-Existing Condition after the 24 months have elapsed.
Please note that a Pre-Existing Condition where you need regular or periodic medical treatment, medication or check-ups
may never be covered under the Policy.

Medical Covers on a Continued Personal Medical Exclusions (CPME): the same exclusions imposed by your expiring
insurance policy will apply to your new insurance policy and the insurer will decide whether to impose any additional terms
and conditions and/or exclusions. If your expiring insurance policy has any waiting periods for benefits, these will be carried
over to your new insurance policy to the extent that they have not been completed.