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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:

  1. 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
  2. Out-patient mental and nervous is excluded for the first 12 months on all plan options
  3. 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
  4. 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
  5. Organ transplants not specifically listed
  6. Devices to correct sight or hearing are excluded under the Bronze, Silver, Gold and Gold Plus plan options
  7. Treatment or supplies not medically necessary
  8. Treatment not ordered or received by a physician
  9. Treatment by a relative or family member
  10. Treatment as a result of war, riot, or terrorism
  11. Treatment resulting from illegal activities
  12. Organized amateur or professional sports  
  13. Services and treatment eligible for payment by any government or other insurance
  14. Investigational, experimental or research procedures
  15. Routine foot care
  16. Elective cosmetic or plastic surgery
  17. Drug and alcohol abuse treatment
  18. Speech therapy
  19. Custodial care
  20. Weight modification
  21. Treatment of impotency
  22. Contraceptive medication or treatment
  23. 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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