EXCLUSION

 Medical expenses arising directly or indirectly from war, participation in riots,

civil commotion, rebellion, terrorism, and other warlike activities.
 Self-inflicted illness or injury, including drug abuse, alcoholism and attempted
suicide.
 Expenses arising from non-adherence to medical advice or negligence of a
member.
 Expenses arising from cosmetic procedures or beauty treatment / surgery
unless as a result of accidental injury. These include treatment in nature cure
clinics, health hydro’s, sanitaria unless as a result of accidental injury. Also
included are expenses arising from bat ears, face lifts, revision of scars,
treatment of obesity, slimming preparations, etc.
 Expenses arising from treatment of infertility and impotence, including intra
vitro fertilization (IVF): Infertility, artificial insemination and enhancement of
fertility.
 Expenses related to sexually transmitted or venereal diseases (with the
exception of HIV/AIDS related illnesses).
 Expenses arising from participation in hazardous sporting activities such as
league football, rugby, advanced mountain climbing, motor cycling(over
125cc), aircraft racing(flying except as a passenger on a registered commercial
airline), polo, horse racing, parachuting, boat racing, ski racing, diving,
aerobatics, martial arts, hang gliding, paragliding, river-rafting, etc. This
exclusion does not include expenses arising from team building and social
sporting activities.
 Procedures of experimental nature not accepted by the medical profession,
such as those relating to homeopathy, chiropractic treatment, acupuncture
and herbal or alternative medicine.
 Treatment by a person who is not a certified medical practitioner.
 Medical expenses arising from senility
 Non-prescription drugs, homoeopathic drugs, alternative medicine and
hormonal replacement therapy, vitamins, tonics and mineral supplements.
 Stop smoking aids.
 Patent foods and skin cleansing remedies such as shampoos.