No benefits will be paid for loss or expense caused by, contributed to, or resulting from:
Pre-existing Conditions.
Any expenses incurred when travel was undertaken soley for the purpose obtaining medical treatment or
while traveling against the advise of a Physician.
Expense incurred within the Insured Person’s Home Country or country of regular domicile.
Routine physicals, inoculations, or other examinations where there are no objective indications of
impairment of normal health, or well baby care, new-born baby care; well-baby nursery and related
Physician charges.
Prescriptions or fitting of eyeglasses and contact lenses; eye examinations; or other treatment for visual
defects and problems. "Visual defects: means any physical defect of the eye which does or can impair
normal vision.
Hearing examinations or hearing aids; or other treatment for hearing defects and problems. "Hearing
defects: means any physical defect of the ear which does or can impair normal hearing.
Dental treatment, except as the result of injury to sound, natural teeth.
Services or supplies performed or provided by a Member of the Insured Person’s family, or anyone who
lives with the Insured Person.
Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician.
Weak, strained or flat feet, corns, calluses, or toenails.
Cosmetic surgery, or treatment for congenital anomalies (except as specifically provided), except
reconstructive surgery as the result of a covered Injury or Sickness. Correction of a deviated nasal septum
is considered cosmetic surgery unless it results from a covered Injury or covered Sickness.
Elective Surgery and Elective Treatment.
Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth.
Injury sustained while participating in professional, sponsored and/or organized Amateur or Interscholastic
Athletics.
Organ transplants.
Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by,
or traceable to, or arising in connection with war, invasion, act of foreign enemy hostilities, warlike
operations (whether war be declared or not), or civil war.
Participation in a riot or civil disorder, commission of or attempt to commit a felony in the country in which it
was attempted or committed.
Suicide or attempted suicide (including drug overdose), while sane or insane (while sane in Missouri), or
intentionally self-inflected Injury.
Expenses of an institution, health service, or infirmary for whose service payment is not required in the
absence of insurance.
Treatment of nervous or mental disorders, except as stated in the Schedule of Benefits, or treatment of
alcoholism or drug abuse, except as provided for treatment of mental or nervous disorders, according to
the Schedule of Benefits.
Loss incurred from riding in any aircraft, other than as a passenger in an aircraft licensed for the
transportation of passengers.
Treatment services, supplies or facilities in a hospital owned or operated by: a) The Veteran’s
Administration; or b) A national government or any of its agencies. (This exclusion does not apply to
treatment when a charge is made which the Insured is required by law to pay).
Duplicate services actually provided by both a certified nurse-midwife and Physician.
Expenses incurred during a hospital emergency room visit which is not of an emergency nature.
Expenses incurred for outpatient treatment in connection with the detection or correction by manual or
mechanical means of structural imbalance, distortion or sublimation in the human body for purposes of
removing nerve interference and the effects thereof, where such interference is the result of or related to
distortion, misalignment or subluxation of or in the vertebral column.
Injury sustained while taking part in mountaineering where ropes or guides are normally used, hang gliding,
parachuting, bungee jumping, racing by horse or motor vehicle or motorcycle, snowmobiling,
motorcycle/motor scooter riding, scuba diving involving underwater breathing apparatus (unless PADI or
NAUI certified), water skiing, snow skiing and snow boarding.
Treatment paid for or furnished under any other individual, government, or group policy; previous policy;
payable under any Worker’s Compensation or Occupational Disease Law or Act; or charges provided at no
cost to the Insured Person.
Expense incurred after the Expiration Date for an Insured Person except as may be specifically provided.
Expenses for treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic
agent or for Injury or Sickness due to wholly or partly to the effects of intoxicating liquor or drugs, unless
prescribed by a Physician.
Sexually transmitted diseases, including AIDS.
Pregnancy expenses or Sickness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage
resulting from Injury; or voluntary or elective abortion.
Treatment while confined primarily to receive custodial care, educational or rehabilitative care and nursing
services in a long term facility, spa, hydroclinic, weight loss clinic, sanatorium, nursing home or similar
facilities.
Expenses for Speech therapy, Occupational therapy or Vocational Rehabilitation.
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.
