Our exclusions

Equipsme are upfront about what is and isn’t covered.

Our exclusion of three year pre‑existing conditions

At Equipsme, we don’t want you to have to fill out lengthy questionnaires about your detailed medical history.

Instead, we exclude from physio, diagnosis and treatment cover any pre‑existing conditions that a person has had in the three years before their cover starts.

There are benefits which you can use from day one which would cover existing health conditions. These are the GP services, nurse helplines and the health check, as well as stress support and dental and optical benefits (if chosen by the business for their employees).

But for conditions which require physio, diagnosis and treatment, there is an exclusion of three year pre‑existing conditions. If you’ve had any disease, illness or injury, or other symptoms that you have received medication, advice or treatment for in the three years before the start of the insurance cover – you’re not covered for these under your plan.

Insurance is really about covering the unexpected. We think about it a bit like home insurance – you can’t insure your house while it’s actually on fire, so it seems reasonable you can’t take out health insurance against something that’s already happened or happening.

Other exclusions

Health insurance is there to help you get better from unexpected health issues, therefore there are some other exclusions that apply to our plans. These include:

Pregnancy and childbirth – we do cover certain related conditions during pregnancy, but we don’t cover other anti-natal or midwifery care. It can be a worrying time, so all members have access to Health at Hand, with dedicated midwives available to talk to, whatever the query.
Mental health conditions – if stress support is part of your plan we can help with telephone and face-to-face counselling, but we can’t provide other psychiatric treatment or support. However, you always have access to counsellors through the Health at Hand service, 24 hours a day, to help you when you need it most.
Ongoing, recurrent and long-term conditions – we call these “chronic conditions”. Examples include things like Crohns’s Disease.
Overseas treatment – we don’t cover treatment received outside the UK. We do support you on holiday with access to Health at Hand and our virtual GP service.

Rest assured, pregnancy and childbirth, chronic conditions and overseas treatment are industry standard exclusions to health insurance.

And for information on our cancer cover please read more here.

Full details of our terms and conditions regarding what is and is not covered can be found in the Membership Handbook which is available via your portal/App login once a member of Equipsme, or on request.