The following are excluded from all plans: –

  1. Transplant surgery
  2. Plastic/cosmetic surgeries
  3. Advanced and complex investigations not stated in the schedule of covered services
  4. Other investigations and treatment for problems relating to infertility e.g. hydrotubation, hysterosalpingogram, I.V.F, G.I.F.T and artificial insemination
  5. Kidney Dialysis
  6. Virility enhancing drugs
  7. Herbal drugs, non-prescription drugs, food supplements and experimental drugs and treatment
  8. Other laboratory investigations not listed in the schedule of covered services
  9. Dental care is not listed in the schedule of covered services
  10. Home care and domiciliary services
  11. Joint replacements and prosthetic limbs
  12. Long term psychiatric illness (Longer than 6 months)
  13. Dermatological care deemed not medically necessary
  14. Comprehensive health screening/well persons check outside the scope of the benefits covered by the health checks.
  15. Pre-School Health examinations
  16. Treatment for newborns not registered on the plan after 6 weeks of birth.
  17. Neonatal care not listed under neonatal services
  18. Self-inflicted injuries
  19. Treatment of obesity
  20. All Covid-19 Treatment
  21. Covid-19 testing except as stated in the schedule of covered services.
  22. Speech disorders
  23. Room upgrades beyond that specified in the plan benefits
  24. Management of severe burns (Burns covering more than 10% body surface area)
  25. Learning difficulties, behavioral and developmental problems
  26. Consultations with unrecognized consultants, hospitals, family doctors, therapists, dental practitioners or complementary medicines practitioners
  27. Any other treatment, service, procedure or investigation not listed in the schedule of covered medical services

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