This Policy shall not cover: -
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| 1. |
Pre-existing illness.
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| 2. |
Specified Illnesses
occurring during the first 120 days of
continuous cover.
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| 3. |
Any medical or physical
conditions arising within the first 30 days
of the Insured Person’s cover or date
reinstatement whichever is latest except for
accidental injuries.
|
| 4. |
Care/treatment for which
payment is not required or to the extent
which is payable by any other
insurance/indemnity covering the Insured and
disabilities arising out of duties of
employment or profession that is covered
under a Workman’s Compensation Ins Contract.
|
| 5. |
Plastic/Cosmetic surgery,
circumcision, eye examination, glasses and
refraction or surgical correction of
nearsightedness (Radial Keratotomy or Lasik)
and the use or acquisition of external
prosthetic appliances or devices such as
artificial limbs, hearing aids, implanted
pacemakers and prescription thereof.
|
| 6. |
Dental conditions including
dental treatment or oral surgery except as
necessitated by Accidental Injuries to sound
natural teeth occurring wholly during the
Period of Insurance.
|
| 7. |
Private nursing, rest cures
or sanitaria care, illegal drugs,
intoxication, sterilization, venereal
disease and its sequelae, AIDS or ARC and
HIV related diseases, any communicable
diseases required quarantine by law.
|
| 8. |
Any treatment or surgical
operation for congenital abnormalities /
deformities including hereditary conditions.
|
| 9. |
Pregnancy, child birth
(including surgical delivery), miscarriage,
abortion and prenatal or postnatal care and
surgical, mechanical or chemical
contraceptive methods of birth control or
treatment pertaining to infertility.
Erectile dysfunction and tests or treatment
related to impotence or sterilization.
|
| 10. |
Psychotic , mental and
nervous disorders (including any neuroses
and their physiological or psychosomatic
manifestations).
|
| 11. |
Hospitalization primarily
for investigatory purposes, diagnosis, x-ray
examination, general physical or medical
examinations not incidental to treatment or
diagnosis of a Covered Disability or any
treatment which is not Medically Necessary
and any preventive treatments, preventive
medicines or examinations carried out by a
Physician, and treatments specifically for
weight reduction or gain.
|
| 12. |
Costs/expenses of services
of a non-medical nature such as television,
telephones, telex services, radios or
similar facilities, admission kit/pack and
other ineligible non-medical items.
|
| 13. |
Sickness or injury arising
from racing of any kind (except foot
racing), hazardous sports such as but not
limited to skydiving, water-skiing,
underwater activities requiring breathing
apparatus, winter sports, professional
sports and illegal activities.
|
| 14. |
Suicide, attempted suicide
or intentionally self-inflicted injury while
sane or insane.
|
| 15. |
Private flying other than as
a fare-paying passenger in any commercial
scheduled airlines licensed to carry
passengers over established routes.
|
| 16. |
War or act of war, declared
or undeclared, criminal or terrorist
activities, active duty in any armed forces,
direct participation in strikes, riots and
civil commotion or insurrection.
|
| 17. |
Ionising radiation or
contamination by radioactivity from any
nuclear fuel or nuclear waste from process
of nuclear fussion or from any nuclear
weapons material.
|
| 18. |
Expenses incurred for
donation of any body organ by an Insured
Person and costs of acquisition of the organ
including all costs incurred by the donor
during organ transplant and its
complications.
|
| 19. |
Expenses incurred for sex
changes.
|
| 20. |
Investigation and treatment
of sleep and snoring disorders, and hormone
replacement therapy and alternative therapy
such as treatment, medical service or
supplies, including but not limited to
chiropractic services, acupuncture,
acupressure, reflexology, bonesetting,
herbalist treatment, massage or aroma
therapy or other alternative treatment.
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