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General Clause and Exclusions on the Retail Plan.


    1. A waiting period of 2 weeks apply before enrolees can access medical care
    2. Within the first year of policy purchase, Antenatal care, delivery, post-natal care, pre-existing medical conditions and chronic illnesses are not covered


The following treatments and procedures are also excluded from this policy


    1. Cosmetic Surgery or treatment are not covered
    2. Teeth Whitening
    3. Dental Prosthesis
    4. Domiciliary/Hospice Care
    5. Alternative/ Unorthodox medicine is not covered
    6. Neonatal care not listed under neonatal services
    7. Self-inflicted injuries
    8. Congenital abnormalities are not covered
    9. Conditions caused by an act of war, an epidemic or enrollee participating in a riot
    10. Services primarily for weight reduction or treatment of obesity
    11. Treatment of substance abuse
    12. Infertility - All investigations and treatment
    13. Orthodontics
    14. Advanced radiological investigations (e.g. C.T. scan, Myelogram, EEG)
    15. Advanced and Complex investigations (e.g. Marrow biopsy, skeletal survey)
    16. Prosthetic devices such as cardiac pacemaker, orthopaedic implants
    17. Management of Chronic Renal Failure (Dialysis and Transplant Surgery)
    18. Induced Abortion
    19. Laser Treatments
    20. Transplants
    21. Complex major Surgeries (e.g. Heart, Brain and Great blood vessels)
    22. Neurological surgeries
    23. Management of Cancers
    24. Professional sports, wilful exposure to danger
    25. Infectious and contagious diseases in an epidemic
    26. All procedures, management and investigations not covered by the plans




General Clause and Exclusions on the EasyCare Plan.


    1. Pre-Existing or Chronic Conditions
    2. Complex & Advanced Investigations
    3. Chronic diseases or conditions
    4. Intensive Care
    5. Special Baby Care Unit
    6. Renal dialysis
    7. Cancer care
    8. Additional immunization for 0-5 years (e.g. Hepatitis B, Rotavirus, Pneumococcal)
    9. Fertility Services & Family Planning
    10. An eye surgery solely for the purpose of correcting refractive defects of the eye, such as near-sightedness (myopia), astigmatism and/or farsightedness (presbyopia)
    11. Ophthalmological & optical services
    12. Dental & Surgical Implant
    13. Within the first year of policy purchase, Antenatal care and delivery isn’t covered
    14. All procedures, management and investigation not covered/slated by the plan


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