International Major Medical Insurance | Exclusions
Please see below a summary of the most common exclusions on the global medical insurance plan:
Pre-Existing Conditions, unless disclosed and approved on the application, or otherwise stated in the policy
certificate for the Silver, Gold and Platinum levels. Pre-existing conditions are always exclude from coverage
on the Bronze level of the plan.
Adult routine physical examinations are excluded under the Bronze and Silver plan option.
Child routine physical examinations are exclude under the Bronze plan option.
Out-patient mental and nervous is excluded on the Bronze level of the plan and for the first 12 months on the
Silver, Gold, and Platinum plan options.
In-patient mental and nervous is excluded under the Bronze and Silver plan options and for the first 12 months
for the Gold 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 or conception has taken place prior
to the start date of coverage.
Organ transplants not specifically listed
Devices to correct sight or hearing are excluded under the Bronze, Silver, and Gold 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
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. You can view
the certificates for the Bronze, Silver, Gold, and Platinum levels here.