General Clause and Exclusions on the Retail Plan.
- A waiting period of 2 weeks apply before enrolees can access medical care
- 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
- Cosmetic Surgery or treatment are not covered
- Teeth Whitening
- Dental Prosthesis
- Domiciliary/Hospice Care
- Alternative/ Unorthodox medicine is not covered
- Neonatal care not listed under neonatal services
- Self-inflicted injuries
- Congenital abnormalities are not covered
- Conditions caused by an act of war, an epidemic or enrollee participating in a riot
- Services primarily for weight reduction or treatment of obesity
- Treatment of substance abuse
- Infertility - All investigations and treatment
- Orthodontics
- Advanced radiological investigations (e.g. C.T. scan, Myelogram, EEG)
- Advanced and Complex investigations (e.g. Marrow biopsy, skeletal survey)
- Prosthetic devices such as cardiac pacemaker, orthopaedic implants
- Management of Chronic Renal Failure (Dialysis and Transplant Surgery)
- Induced Abortion
- Laser Treatments
- Transplants
- Complex major Surgeries (e.g. Heart, Brain and Great blood vessels)
- Neurological surgeries
- Management of Cancers
- Professional sports, wilful exposure to danger
- Infectious and contagious diseases in an epidemic
- All procedures, management and investigations not covered by the plans
General Clause and Exclusions on the EasyCare Plan.
- Pre-Existing or Chronic Conditions
- Complex & Advanced Investigations
- Optical
- Within the first year of policy purchase, Antenatal care and delivery isn’t covered
- All procedures, management and investigation not covered/slated by the plan