||Specified Illnesses occurring during the first 120
days of continuous cover.
||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
||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 prescriptions thereof.
||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.
||Private nursing, rest cures or sanitaria care, illegal
drugs, intoxication, sterilization, venereal disease
and its sequelae, AIDS (Acquired Immune Deficiency
Syndrome) or ARC (AIDS Related Complex) and HIV related
diseases except the lump sum benefit upon its diagnosis
as stated in Schedule Of Benefit, and any communicable
diseases required quarantine by law.
||Any treatment or surgical operation for congenital
abnormalities or deformities including hereditary conditions.
||Pregnancy, child birth (including surgical delivery),
miscarriage, abortion, 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.
||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.
||Suicide, attempted suicide or intentionally self-inflicted
injury while sane or insane.
||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
||Ionizing radiation or contamination by radioactivity
from any nuclear fuel or nuclear waste from process
of nuclear fission or from any nuclear weapons material.
||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.
||Investigation and treatment of sleep and snoring
disorders, 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
||Care or treatment for which payment is not required
or to the extent which is payable by any other insurance
or indemnity covering the Insured Person and Disabilities
arising out of duties of employment or profession that
is covered under a Workman's Compensation Insurance
||Psychotic, mental or nervous disorders, (including
any neuroses and their physiological or psychosomatic
||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.
||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.
||Private flying other than as a fare-paying passenger
in any commercial scheduled airlines licensed to carry
passengers over established routes.
||Expenses incurred for sex changes.