No benefit shall be payable for any expenses or losses incurred for:
Illnesses first manifested, treated or diagnosed while you are visiting your Home Country.
Injuries incurred while you are visiting your Home Country.
Treatments or services rendered in your Home Country.
With respect to Medical Expense, no benefit shall be payable with respect to expenses incurred:
For Pre-Existing Conditions,
defined as any Injury or Illness which was contracted or which manifested
itself, or for which treatment or medication was prescribed 3 years prior to the
effective date of this insurance.
For services, supplies, or treatment;
including any period of Hospital confinement, which were not recommended,
approved and certified as necessary and reasonable by a Physician.
For suicide or any attempt thereat while sane or self-destruction or any attempt
thereat while insane.
Due to declared or undeclared war; or any act thereof.
For Injury sustained while participating in professional athletics.
For sickness resulting from pregnancy, childbirth, or miscarriage.
For miscarriage resulting from an accident.
For routine physicals or other examinations where there are no objective indications
or impairment in normal health, and laboratory diagnostic or x-ray examinations
except in the course of a disability established by the prior call or attendance of a Physician.
For cosmetic or plastic surgery; except as the result of an accident.
For elective surgery which can be postponed until the Insured returns to his/her Home Country.
For any mental or nervous disorders or rest cures.
For dental care; except as the result of Injury to natural teeth caused by an accident.
For eye refractions or eye examinations for the purpose of prescribing corrective lenses or for the fitting
thereof; unless caused by accidental bodily Injury incurred while insured hereunder.
In connection with alcoholism or drug addiction; or the use
of any drug or narcotic agent.
For congenital anomalies and conditions arising out of or resulting therefrom.
For expenses which are non-medical in nature.
For the ordinary cost of a one-way airplane
ticket used in the transportation back to the Insured’s country where an air
ambulance benefit is provided.
As a result of or in connection with any intentionally self-inflicted Injury.
As a result of or in connection with the commission of a felony offense.
For specific named hazards:
motorcycle driving, scuba diving, skiing, mountain climbing, sky diving,
professional or amateur racing, and piloting any aircraft.
Treatment paid for or furnished under any other individual or group policy, or other
service or medical pre-payment plan arranged through the employer to the extent
so furnished or paid, or under any mandatory government program or facility set
up for treatment without cost to any individual.
For pregnancy or childbirth, organ transplants, marrow procedures, and chemotherapy.
Note : Exclusion listed here is taken from the policy, these are subject to
change without any prior notice as and when Insurance Provider makes
any changes. Please must read the policy for most updated information.
