| SPECIFIC EXCLUSIONS |
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| 1. |
What is Pre-Existing Illness
exclusion? Can it be waived?
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Pre-Existing Illness exclusion shall
means exclusion of disabilities that you have reasonable
knowledge of. The condition is one for which:
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This exclusion generally will not be waived. |
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| 2. |
What is "Specified Illness"?
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"Specified Illness" shall
mean the following disabilities and its related complications,
occurring within the first 120 days of your Insurance:
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Hypertension, diabetes mellitus
and cardiovascular disease
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All tumours, cancers, cysts,
nodules, polyps, stones of the urinary system
and biliary system
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All ear, nose (including sinuses) and throat
conditions |
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Hernias, haemorrhoids, fistulae, hydrocele, varicocele |
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Endometriosis including
disease of the reproduction system
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Vertebro-spinal disorders (including disc) and
knee conditions |
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| 3. |
If a specific illness develops
during the first policy year, what is the position
on renewal?
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If a specified illness develops
during the first policy year, the renewal can still
be done subject to the 'Period of Cover and Renewal'
clause in the policy and any claims arising from the
specified illness will be subject to the 'Specified
Illnesses' exclusion clause in the policy.
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| 4. |
What is "Congenital Conditions"?
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"Congenital Conditions" shall
mean any medical or physical abnormalities existing
at the time of birth, as well as neo-natal physical
abnormalities developing within 6 months from the time
of birth. They will include hernias of all types and
epilepsy except when caused by a trauma, which occurred
after the date you were continuously covered under
this Policy.
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