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What is not covered?

Important - Please Read - Personal Exclusions

Please check your Membership Certificate to see if you have any personal exclusions or restrictions on your plan. The exclusions in this section apply in addition to and alongside any such personal exclusions and restrictions.

General note for all exclusions
For all exclusions in this section, and for any personal exclusions or restrictions shown on your Membership Certificate, please note that:

  1. we do not pay for conditions which are directly related to excluded conditions or treatments
  2. we do not pay for any additional or increased costs arising from excluded conditions or treatments
  3. we do not pay for complications arising from excluded conditions or treatments.

You have a personal exclusion for diabetes.

  1. If your diabetes were to cause glaucoma, we would not pay for treatment for the glaucoma.
  2. If while receiving treatment for another condition, you need to stay extra days in hospital because of your diabetes, we would not pay for these extra days.
  3. If complications arise from excluded treatment such as cosmetic or laser eye surgery, we will not pay to treat these complications.


This section describes some circumstances where exceptions can be made to exclusions or restrictions. Where this is the case, benefit is payable up to the limits set out in your Table of Benefits.

Talk to us about your options


Call us today on: 21 342 342

We are here for you Monday to Friday 8am to 5pm.

Get in touch via email

Contact our client assistance team with your query or request a callback from one of our health insurance specialists.

LifeStar Health Limited acts as an insurance agent for Bupa Global Designated Activity Company (Bupa Global DAC), which has passported its services through the European Passport Rights for Insurance and Reinsurance Undertakings. LifeStar Health Limited is enrolledid as an insurance agent under the Insurance Distribution Act, Cap 487 of the Laws of Malta and is regulated by the Malta Financial Services Authority of Notabile Road, Attard BKR 3000, Malta and subject to limited regulation by the Central Bank of Ireland.


© 2020 Bupa Malta / LifeStar Health Limited