Brokerfish

Commercially available substances

International Private Medical Insurance policies typically do not provide coverage for commercially available substances that can be purchased without a prescription. These substances include, but are not limited to, vitamins, minerals, organic substances, moisturizers, oils, creams, and other pharmaceutical products. While some policies may provide coverage for these products under the routine maternity care and childbirth benefit in the maternity costs section of the table of benefits, it is important to verify this by reading your policy’s terms and conditions. Additionally, some US-style policies may provide coverage for commercially available substances under the Over-The-Counter (OTC) drug benefit, if available. OTC drugs are medications that do not require a prescription from a medical doctor and can be purchased at a pharmacy or other store that is authorized to sell medical drugs.

This type of exclusion is commonly found in international private medical insurance policies, where coverage for commercially available substances that can be purchased without a prescription is typically not provided. These substances, including vitamins, minerals, and other pharmaceutical products, may be covered under certain circumstances, such as routine maternity care or the OTC drug benefit, but it is important to check your policy’s terms and conditions for specific details.