This program does not cover loss caused by or resulting
from, nor is any premium charged for, the following expenses:
Pre-Existing Conditions. A Pre-Existing Condition is
defined as any injury or illness or condition which was contracted or
which first manifested itself, or for which a licensed physician was
consulted, or for which treatment or medication was prescribed, within 6
months prior to the effective date of the Covered Person's coverage
under this Program. Pre-existing Conditions shall be excluded from
coverage for a period of 6 months following the effective date of
coverage under this program. A Covered Person must be continuously insured.
Expenses in excess of Usual, Reasonable and Customary Charges.
Services normally provided without charge by the
College’s health service, infirmary, or Hospital, or by health care
providers employed by the College; or for any expenses for services
rendered elsewhere which are available at the Student Health Service,
infirmary, or hospital except in cases of Medical Emergency.
Eyeglasses, contact lenses, hearing aids, or
prescriptions, examinations thereof, radical keratotomy or laser eye
surgery to correct vision impairment.
Injury due to participation in a riot.
Accident occurring in consequence of riding as a
passenger or otherwise in any vehicle or device for aerial navigation,
except as a fare paying passenger in an aircraft, operated by a
scheduled airline maintaining regular published schedules on a regularly
established route.
Injury sustained or Illness contracted while in the
service of the Armed Forces of any country.
Treatment of mental or nervous disorders, except as
specifically provided.
Elective treatment or elective surgery, except as
specifically provided.
Treatment provided in a government Hospital unless
there is a legal obligation to pay such charges in the absence of insurance.
Expenses incurred after the date of insurance termination for a Covered Person.
Congenital conditions, except as specifically provided for newborn infants.
Expenses incurred for services or supplies which are
experimental or investigative in nature; including the treatment,
procedure, facility, equipment, drugs usage, device or supplies.
Professional services rendered by a member of the
Covered Person’s family or anyone who lives with the Covered Person.
Expenses incurred for services and supplies not: a)
medically necessary for the diagnosis or treatment of any Injury or
Illness; and b) recommended by the attending Physician.
Routine physicals other than Hospital nursery expense of a newborn baby.
Dental care, except as the result of injury to
natural teeth caused by accident, any treatment identified as
Temporomandibular Joint Dysfunction (TMJ).
Expenses incurred in connection with weak, strained
or flat feet, corns, calluses, bunions, or toenails.
Expenses incurred for plastic or cosmetic surgery
unless they result directly from an injury that necessitated medical
treatment within 24 hours of the accident.
Expenses incurred as a result of diagnostic or
surgical procedures in connection with infertility unless caused by an
Injury or Illness.
Expenses incurred in connection with birth control,
sterilization, or sterilization reversal, including surgical procedures and devices.
Expenses covered under any occupational benefit
Policy, Workers’ Compensation Act or similar law, automobile medical
payments or No-fault plans, public assistance programs, government plan
or any other valid and collectible insurance.
War or any act of war, whether declared or undeclared.
Committing or attempting to commit an assault or
felony, fighting or brawling, except in self-defense.
Suicide or intentionally self-inflicted injury while sane or insane.
Claims arising out of participation in
interscholastic, intercollegiate or professional sporting events;
racing; speed contests; skin diving; sky-diving; mountaineering (where
ropes or guides are customarily used), para-sailing; hang gliding;
bungee jumping; bob-sledding; travel on a snow mobile or ATV; any two or
three wheeled motor vehicle; or private air travel, to include
ballooning and ultra-light aircraft.
Expenses incurred while the Covered Person is
intoxicated or under the influence of any drug unless taken under the
advice of a licensed Physician.
Expenses resulting from a motor vehicle accident if
the Covered Person is not properly licensed to operate the motor vehicle
within the jurisdiction in which the accident takes place (this
exclusion will not apply to passengers if they are insured under this Program).
Expenses for circumcision; tubal ligation; vasectomy;
breast reduction; breast implants; sexual reassignment surgery;
orthognathic surgery, including mandibular retrognathia; learning
disabilities; smoking cessation; hair removal, replacement or hair
growth; organ transplants.
Pregnancy or childbirth for a dependent child of an insured Student.
Expenses incurred in the Insured Person's country of permanent residence.
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.
