OUR POLICY EXCLUSIONS

Our policy excludes the following unless stated in your benefit schedule

• Any expenses incurred in connection with injury or illness caused or contributed to by war, invasion, riots, civil commotion or whilst engaging or taking part in military, naval or air force services or operation.

• Reconstructive procedures, cosmetic surgeries and procedures for aesthetic purposes e.g. after burns, ligament/tendon repair or reconstruction.

• Medical devices for secondary management (e.g. Hearing aids, Crutches, braces, elastic stockings, Zimmer frames, wheel chairs etc.), Self-use medical devices (e.g. monitors, glucometers, glucometer strips etc.) and orthodontics

• Treatment overseas or treatment available as free public health services e.g. Immunization, TB, Buruli Ulcer, Mental health/psychiatric conditions, VCT for HIV, Trachoma etc.

• Assisted reproduction and fertility related treatments, hormonal tests and treatment, sexual and erectile related problems and family planning

• Investigations and examinations with no objective indications or for screening purposes.

• Management of obesity and immune stimulant

• Intentional self-injury or illness resulting from alcoholism and drunkenness, drug addiction or the use of drugs not medically prescribed.

• Alternative medical treatments e.g. Chiropractic, homeopathy, Traditional medicine etc. (except previously negotiated).

• Home nursing/care, Spas and Rehabilitation treatments except for physiotherapy which requires authorization.

• Treatments related to congenital abnormalities, organ transplants, implants and chronic dialysis.

• Physiotherapy, endoscopic procedures and dietary consultations need authorization

• Cancer and cancer related treatments

• All forms of soaps, shampoo, Lozenges, mouthwash and sprays.

• Myomectomies, Voluntary Caesarean sections and termination of pregnancies (except where there is immediate threat to life).

• Mortuary services and blood products.