✖ Congenital abnormalities.

✖ Pre-existing condition occuring during the first 12 months of the policy.

✖ Care or treatment for which payment is not required, or is payable by other insurance or indemnity covering the insured and disabilities.

✖ Cosmetic/plastic surgery and treatment, refractive errors of the eyes and its correction by any means, hearing aids, acquisition of prosthetic appliances such as artificial limbs, dialysis machine and prescriptions thereof except as necessitated by injuries occurring wholly during the period of insurance.

✖ Dental care and treatment, except as necessitated by accidental injuries to sound natural teeth.

✖ AIDS (Acquired Immune Deficiency Syndrome), ARC (AIDS Related Complex) and all illnesses or diseases in the presence of Human Immune-Deficiency Virus (HIV), and Sexually Transmitted Diseases.

✖ Pregnancy, childbirth, miscarriage, abortion, infertility, prenatal or postnatal care, any means of birth control, tests or treatment related to sexual dysfunction or sterilisation.

✖ Mental or nervous disorder, psychiatric conditions (including any neuroses and their physiological or psychosomatic manifestations), senile or geriatric conditions of any kind, self-inflicted injury or attempted suicide, treatment of alcohol dependence syndrome and drug addiction.

✖ Routine medical or physical examinations, health check-up, investigating procedures or tests not incidental to treatment or diagnosis of a covered disability, or any treatment which is not medically necessary including any preventive treatments, preventive medicines or examinations and treatment for weight control.

✖ Cost/expenses of services of a non-medical nature.

✖ Racing of any kind (except foot racing), underwater activities requiring breathing apparatus, professional sports and criminal activities.

✖ Illnesses or disabilities of a newborn child contracted prior to or during birth or in the first 14 days thereafter.

✖ War or any act of war, declared or undeclared, terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.

✖ Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission, or from any nuclear weapons material.