There are certain conditions which no benefits will be payable. These are stated in the exclusions in the policy contract and for full list of exclusions, please refer to the policy contract. The following are list of some policy exclusions.
• All health screening related examinations including multiphasic health screening, laboratory tests and X-rays, screening mammograms, any type of scans; services (irrespective of whether there is hospital confinement) for the primary purpose of diagnosis, medical check-up, genetic screening; pap smear; cytology test; any treatment of a preventive nature including but not limited to immunization/vaccinations
• Repeat treatment after the first treatment from the hospital for each of the following categories will not be covered.
(1) treatment of illness or injuries arising from drug addiction (except that of illicit drugs) or alcoholism.
(2) treatment of illness or injuries arising from participation in civil commotion, riot or strike.
(3) treatment for mental illness and injuries arising from self – inflicted injuries and attempted suicide.
(4) treatment of venereal disease, sexually transmitted disease.
• Treatment for illness or injuries as a result of a criminal act of the insured member.
• Treatment of conditions or injuries arising from any malicious, wilful, illegal acts by employer or employer’s family members
• Pregnancy or complication arising from pregnancy; childbirth, conditions and its complication arising during or after childbirth; prenatal or postnatal care, post-delivery confinement; abortion or termination of pregnancy or any form of related stay in hospital or treatment