ISI Protect Health Insurance | Exclusions

Charges for the following conditions, treatments (including diagnoses, tests, and examinations), services, supplies, acts, omissions, and/or events are excluded from coverage hereunder:

  1. Resulting directly or indirectly, proximately or remotely occasioned by, contributed to or by, traceable to or arising in connection in any Act of Terrorism. Any Act of Terrorism that takes place in a location or country for which a Travel Warning or Emergency Travel Advisory related to an actual or potential Act of Terrorism was issued or in effect within the one hundred eighty (180) days prior to the Insured Person’s arrival to said location, post, area, territory or country.
  2. Resulting directly or indirectly, approximately or remotely occasioned by, contributed to by, traceable to or arising in connection with war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war.
  3. Charges resulting from or relating, directly or indirectly, to any Pre-existing Condition, except as expressly provided for in PART IV, B., Pre-existing Condition(s) or C., Acute Onset of Pre-existing Condition(s), of this insurance.
  4. Charges resulting from any Pre-existing Condition or Acute Onset of Pre-existing Condition while the Insured Person is in his or her Home Country.
  5. Related in any way to birth defects, hereditary conditions and Congenital Disorders, including any conditions arising out of or resulting therefrom.
  6. For any service, supply, drug, treatment or procedure, that either diagnoses, promotes or prevents conception
  7. Abortions, except to save the life of the mother and Therapeutic Termination of Pregnancy.
  8. All charges resulting from pregnancy, except for a covered pregnancy under the maternity benefits of the Economy Plus, Business Class, and First Class
  9. For diagnosis and/or treatment of acne, rosacea, eczema, psoriasis, fungal infection, moles, warts, skin tags, diseases of sebaceous glands, seborrhea, and hypertrophic and atrophic conditions of skin.
  10. For non-surgical care, diagnosis and/or treatment or supplies for the feet, including without limitation, orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak, strained, flat, unstable or unbalanced feet, metatarsalgia, bone spurs, hammer toes or bunions, corns, calluses or toenails, except as otherwise expressly set forth in this insurance.
  11. For weight modification or any Inpatient, Outpatient, Surgical Procedure or other treatment of obesity (including without limitation, morbid obesity)
  12. For modifications of the physical body in order to change or improve or attempt to change or improve the psychological, mental or emotional well-being of the Insured Person, including without limitation, sex-change Surgery and Surgery relating to sexual performance or enhancement thereof.
  13. For eyeglasses, contact lenses, hearing aids or hearing implants and for any diagnostic test or procedure, treatment, service or supply, or examination or fitting related to these devices or for eye refraction for any reason.
  14. For orthoptics, visual eye training and eye
  15. For diagnosis and/or treatment of the temporomandibular joint, including without limitation, TMJ syndrome, craniomandibular syndrome, chronic TMJ pain, orthognathic Surgery, Le-Fort Surgery or splint.
  16. For diagnosis and/or treatment of venereal disease, including all Sexually Transmitted Diseases and conditions.
  17. For Routine Physical Exams and treatment, including without limitation, vaccinations, immunizations, annual check-ups, the issue of medical certificates and attestations, and examinations as to suitability for employment or travel.
  18. For diagnosis and/or treatment of the following: HIV seropositivity to the AIDS virus, AIDS related Illnesses, ARC Syndrome and/or AIDS.
  19. For Surgeries, treatments, services or supplies for cosmetic or aesthetic reasons, except for reconstructive Surgery when such Surgery is Medically Necessary and directly related to and/or follows Surgery which was covered hereunder.
  20. For diagnosis and/or treatment of any sleep disorder, including without limitation, sleep apnea and insomnia.
  21. Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
Please note: The exclusions listed above is a consolidated version of the plan exclusions. Please view the plan certificate for the full list and limitations of the plan.

This plan is underwritten by Lloyd's.


Start your provider search

Doctor/Hospital Search