Specific Exclusions. To the coverages guaranteed by this Special Condition, the following exclusions are also applicable:
2.2.1. Oncological Disease - The following treatments are not covered:
a) Any tumour histologically described as premalignant or showing only the first malignant changes;
b) Non-invasive malignant tumours;
c) Tumours related to the human immunodeficiency virus (HIV);
d) Skin cancers except for the malignant melanoma;
e) Papillary bladder cancer.
2.2.2. Neurosurgery – The following are not covered:
a) craniotomy, if the pathology is a consequence of a traumatic injury;
b) the diagnosis or treatment of cists, granulomas, hamartomas, intracranial vascular malformations and pituitary tumours.
2.2.3. Coronary artery bypass surgery - Surgeries arising from traumatic injuries or congenital changes of the aortic coronary arteries are not covered.
2.2.4. Surgical procedures for the replacement of heart valves - Revision surgical procedures of congenital changes of the heart valves are not covered.
2.2.5. Thoracic aortic surgery – The following surgeries are not covered:
a) to any of the branches of the thoracic aorta and surgery to the abdominal aorta, including aortofemoral or aortoiliac bypass;
b) resulting from hereditary Illnesses of the connective tissue (e.g.: Syndromes of Marfan, Ehlers Danlos);
c) arising from trauma causing injury to the aorta.
2.2.6. Organ transplant - Organ or tissue transplants are not covered if:
a) The Insured Person is the donor for a third party;
b) A necessidade de Transplante resultar de patologia congénita;
c) A necessidade de Transplante resultar de cirrose hepática de etiologia alcoólica;
d) O Transplante configurar um ato cirúrgico de autotransplante, com exceção de Transplante de medula óssea. A cobertura garante exclusivamente os cuidados de saúde prestados fora do território nacional, nos prestadores indicados pelo Segurador, carecendo sempre de autorização prévia, que deve ser solicitada através do Apoio ao Cliente Multicare com uma antecedência mínima de 14 dias úteis. A Pessoa Segura deve, em qualquer circunstância, autorizar os Médicos e Unidades Hospitalares a facultarem aos serviços clínicos do Segurador os relatórios clínicos e quaisquer outros elementos que estes tenham por convenientes para documentação do processo.
