Exclusions
14.
Investigations into, and treatment of,
loss of hair
and any
hair replacement
unless the loss of hair is due to
cancer treatment.
15.
Investigations into, and treatment of,
obesity
.
16.
Investigations into, treatment of and complications arising from
sterilisation, sexual dysfunction
(unless
this condition is as a result of total prostatectomy following surgery for cancer) and
contraception
including the insertion and removal of contraceptive devices and all other contraceptives, even if prescribed
for medical reasons. The only exception in relation to costs for contraception is where contraceptives are
prescribed by a dermatologist for the treatment of acne. (This exclusion extends to include infertility within
the Channel Islands Plan).
17.
Medical evacuation/repatriation from a
vessel at sea
to a medical facility on land.
18.
Medical practitioner fees
for the completion of a Claim Form or other administration charges.
19.
Orthomolecular treatment
(please refer to definition 1.56).
20.
Pre-
and
post-natal
classes.
21.
Products classified as
vitamins
or
minerals
(except during pregnancy or to treat diagnosed, clinically
significant vitamin deficiency syndromes) and supplements including, but not limited to, special infant
formula and cosmetic products, even if medically recommended, prescribed or acknowledged as having
therapeutic effects. Costs incurred as a result of nutritional or dietary consultations are not covered, unless a
specific benefit is included within your Table of Benefits. (For members of the Channel Islands Plan, this
exclusion extends to include the period of pregnancy).
22.
Products that can be purchased without a
doctor’s prescription
, except where a specific benefit covering
these costs appears in the Table of Benefits.
23.
Sex change operations
and related treatments.
24.
Stays in a
cure-centre, bath centre, spa, health resort
and
recovery centre
, even if the stay is medically
prescribed.
25.
Termination of pregnancy
, except in the event of danger to the life of the pregnant woman.
26.
Treatment directly related to
surrogacy
, whether you are acting as a surrogate, or are the intended parent.
27.
Treatment for any illnesses, diseases or injuries, as well as instances of death resulting from
active
participation in war, riots, civil disturbances, terrorism, criminal acts, illegal acts
or
acts against any
foreign hostility
, whether war has been declared or not.
28.
Treatment for any medical conditions arising directly or indirectly from
chemical contamination,
radioactivity
or
any nuclear material
whatsoever, including the combustion of nuclear fuel.
29.
Treatment for conditions such as
conduct disorder, attention deficit hyperactivity disorder, autism
spectrum disorder, oppositional defiant disorder, antisocial behaviour, obsessive-compulsive
disorder, phobic disorders, attachment disorders, adjustment disorders, eating disorders,
personality disorders
or treatments that encourage positive social-emotional relationships, such as
family
therapy
.
30.
Treatment in the USA
if we know or suspect that cover was purchased for the purpose of travelling to the
USA to receive treatment for a condition, when the symptoms of the condition were apparent to the
member prior to the purchase of cover.
16
Allianz Worldwide Care
