MP+ International Insurance


  • Pre-existing conditions* (Certificate of Credible Coverage will provide credit toward the waiting period for pre-existing medical conditions.)
  • Treatment, services or supplies that are not administered or ordered by a licensed physician
  • Treatment, services, or supplies that are not medically necessary
  • Charges that exceed Usual, Reasonable and Customary charges
  • Surgeries or treatments that are investigational, experimental or for research purposes
  • Confinement primarily for custodial, educational or rehabilitative care
  • Weight modification or treatment for obesity
  • Treatment or surgery for cosmetic or aesthetic reasons, except for reconstructive surgery incidental to or following other covered surgery
  • Elective abortion
  • Artificial insemination, infertility, impotency, sterilization or reversal of sterilization
  • Hearing aids
  • TMJ dysfunction
  • Injury sustained from Hazardous Sports activities
  • Injury sustained while under the influence of alcohol or drugs
  • Self-inflicted injury or illness
  • Charges resulting from or during the commission of a crime or felony
  • Speech, vocational, occupational, biofeedback, recreational, sleep or music therapy
  • Services or supplies performed or provided by a relative
  • Orthoptics and visual eye training
  • Certain care, treatment or supplies for the feet
  • Care and treatment for hair loss
  • Exercise programs

*Pre-existing conditions are defined as medical or health conditions (whether physical or mental and regardless of the cause of the condition) for which medical advice, diagnosis, care or treatment was recommended or received during the six (6) month period ending on the Enrollment Date. Coverage for medical expenses arising from pre-existing conditions will be excluded until the earlier of: a) the date that the number of days, beginning on the Enrollment Date, exceeds 180 days continuously during which no Treatment is sought, recommended or received (including prescription medication or drugs); or (b) the date that the number of days, beginning on the Enrollment Date, exceeds 365 days. (Note: Special provisions may apply to U.S.-based employer groups. Refer to your Certificate Wording for complete details).

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.