Are there exclusions to the coverage?

The Second Medical Opinion is excluded when:

• At the time of the request for a Second Medical Opinion, the insured is admitted to an hospital, is being treated in the emergency department (ED) or has to undergo a planned operation;
• The insured hasn’t received a previous diagnosis and/or treatment plan, “First Medical Opinion”, in relation to the current application for a Second Medical Opinion;
• The insured hasn’t been assessed by a doctor in relation to the current application for a Second Medical Opinion in the past 12 months;
• The insured is in need of urgent medical attention;
• The insured requires a physical medical evaluation at the time a Second Medical Opinion is requested.