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International Major Medical Insurance | Exclusions

Please see below a summary of the most common exclusions on the global medical insurance plan:

  • Adult routine physical examinations are excluded under the Bronze and Silver plan option, and for the first 12 months for the Gold, Gold Plus and Platinum plan options
  • Out-patient mental and nervous is excluded for the first 12 months on all plan options
  • In-patient mental and nervous is excluded under the Silver plan option and for the first 12 months for the Gold, Gold Plus and Platinum plan options
  • Maternity, newborn and congenital care (unless the Platinum plan option is purchased - see Benefits page by clicking link above) Note: maternity expenses including prenatal, delivery, postnatal, newborn and congenital disorders are excluded when the pregnancy is a result of fertility treatment
  • Organ transplants not specifically listed
  • Devices to correct sight or hearing are excluded under the Bronze, Silver, Gold and Gold Plus plan options
  • Treatment or supplies not medically necessary
  • Treatment not ordered or received by a physician
  • Treatment by a relative or family member
  • Treatment as a result of war, riot, or terrorism
  • Treatment resulting from illegal activities
  • Organized amateur or professional sports  
  • Services and treatment eligible for payment by any government or other insurance
  • Investigational, experimental or research procedures
  • Routine foot care
  • Elective cosmetic or plastic surgery
  • Drug and alcohol abuse treatment
  • Speech therapy
  • Custodial care
  • Weight modification
  • Treatment of impotency
  • Contraceptive medication or treatment
  • Persons HIV+ at effective date

The exclusions listed here are a summary of the plan exclusions/ limitations and are for informational purposes only. Please refer to the certificate of insurance for a full list of plan exclusions and limitations.

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