Consultations performed by you or a family member

This exclusion on a medical insurance policy means that the policy may not cover consultations and any drugs or treatments prescribed by you, your spouse, parents, or children, or possibly near relatives. Not all insurers have this exclusion, but it is rather general in nature. The immediate family is a defined group of relations, used in rules or laws to determine which members of a person’s family are affected by those rules. It normally includes a person’s parents, siblings, spouse, and children, but may be a broader spectrum in some countries and cultures. It can contain others connected by birth, adoption, marriage, civil partnership, or cohabitation, such as grandparents, grandchildren, aunts, uncles, siblings-in-law, half-siblings, cousins, adopted children, step-parents/step-children, and cohabiting partners. The term close relatives is used similarly and the terms may usually be interchanged. This exclusion applies to any consultations, drugs, or treatments prescribed by any members of an individual’s immediate family, or close relatives. This exclusion is intended to prevent potential conflicts of interest and abuse of the insurance coverage.