want to know about the.....
This policy does not
cover any hospitalisation, surgery or charges caused directly or indirectly,
wholly or partly, by any one (1) of the following occurrences:-
of pre-existing illness
illnesses occurring during the first 120 days of continuous cover . Definition
of specified illnesses
Any medical or
physical conditions arising within the first thirty (30) days of the Insured
Person's cover or date of reinstatement whichever is latest except for
surgery, circumcision, eye examination, glasses and refraction or surgical
correction of near-sightedness (Radial Keratotomy) and the use or
acquisition of external prosthetic appliances or devices such as artificial
limbs, hearing aids, implanted pacemakers and prescriptions thereof.
conditions including dental treatment or oral surgery except as necessitated
by Accidental Injuries to sound natural teeth occurring wholly during the
Period of Insurance.
rest cures or sanitaria care, illegal drugs, intoxication, sterilisation,
venereal disease (VD) and its sequelae, AIDS (Acquired Immune Deficiency
Syndrome) or ARC (AIDS Related Complex) and HIV (Human Immunodeficiency
Virus) related diseases, and any communicable diseases required quarantined
Any treatment or
surgical operation for congenital abnormalities or deformities including
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 sterilisation.
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
attempted suicide or intentionally self-inflicted injury while sane or
War or any 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.
radiation or contamination by radioactivity from any nuclear fuel or nuclear
waste from process of nuclear fission or from any nuclear weapons material.
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.
and treatment of sleep and snoring disorders, hormone replacement therapy
and alternative therapy such as treatment, medical service or supplies other
than Western Medicines, including but not limited to chiropractic services,
acupuncture, acupressure, reflexology, bonesetting, herbalist treatment,
massage or aromatherapy or other alternative treatment.
treatment for which payment is not required or to the extent which is
payable by any other insurance or indemnity covering the Insured and
Disabilities arising out of duties of employment or profession that is
covered under a Workmen's Compensation Insurance Contract.
mental or nervous disorders (including any neuroses and their physiological
or psychosomatic manifestations)
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.
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.
other than as a fare-paying passenger in any commercial scheduled airlines
licensed to carry passengers over established routes.
incurred for sex changes.
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