Retail Exclusion List

Exclusions Coverage Status
GENERAL CONSULTATION
*PRE-EXISTING CONDITION: Any medical treatment required, relating to an accident or illness which may have occurred before the effective date or to any illness where it was within the knowledge of a member that was suffering from it at the effective date. This also includes chronic illnesses like hypertension, diabetes, osteoarthritis, and dyslipidemia.
Asthma COVERED
Hypertension COVERED UNDER AN ACTIVE PEC EXTENSION
Diabetes COVERED UNDER AN ACTIVE PEC EXTENSION
Osteoarthritis COVERED UNDER AN ACTIVE PEC EXTENSION
Peptic Ulcer Disease COVERED UNDER AN ACTIVE PEC EXTENSION
Rheumatoid arthritis NOT COVERED
Complications arising from pre-existing conditions e.g hypertensive heart disease, diabetic foot ulcer, Cardiovascular disease, neuropathy, heart failure, Heart attack, stroke, heart failure, Aneurysm, gastric cancer, Rheumatoid arthritis, Osteoporosis etc NOT COVERED
ADVANCED DIAGNOSTIC IMAGING
CT Scan NOT COVERED
MRI NOT COVERED
Echocardiography NOT COVERED
Endoscopy NOT COVERED
CHEMISTRY INVESTIGATIONS
Prothrombin time (PT/INR) NOT COVERED
Serum Lithium NOT COVERED
Serum Lactate Dehydrogenase NOT COVERED
Oral Glucose Tolerance Test (OGTT) COVERED WITH A PEC EXTENSION
MICROBIOLOGY AND PARASITOLOGY
VDRL (Veneral Disease Research Laboratory) Test NOT COVERED
Trypanosomes screening NOT COVERED
Toxoplasma Screening NOT COVERED
Skin Snip for Microfilaria NOT COVERED
Skin Scraping for Fungi NOT COVERED
Leishmania Screening NOT COVERED
Mantoux/Heaf's Test NOT COVERED
Blood Culture NOT COVERED
Stool Occult Blood NOT COVERED
ADVANCED LABORATORY INVESTIGATIONS/PATHOLOGY
(HBA1C) COVERED WITH A PEC EXTENSION
Prostate Specific Antigen NOT COVERED
G-6PD Screening NOT COVERED
Thyroid Function Tests NOT COVERED
Serum Uric Acid COVERED WITH A PEC EXTENSION
Creatinine phosphokinase NOT COVERED
Syphilis Screening NOT COVERED
Serum immunoglobulins/Antibodies NOT COVERED
Immunofluorescence assay NOT COVERED
QBC Malaria Concentration And Fluorescent Staining NOT COVERED
Pap Smear and Cytology NOT COVERED
Protein Electrophoresis NOT COVERED
CSF M/C/S (CSF Analysis) NOT COVERED
Semen M/C/S NOT COVERED
Serum Creatinine Phosphokinase NOT COVERED
Serum Iron NOT COVERED
24 Hour Creatinine Clearance NOT COVERED
Coomb's Test (Indirect) NOT COVERED
Coomb's Test (Direct) NOT COVERED
Osmotic Fragility Test NOT COVERED
Chlamydia Screening NOT COVERED
Seminal Fluid Analysis (SFA) NOT COVERED
D-Dimer NOT COVERED
Sputum Acid Fast Bacilli (AFB) Test NOT COVERED
INTENSIVE CARE
ICU, HDU and ICU-related Care NOT COVERED
OBSTETRICS CARE
Antenatal Care (INCLUDING ALL SPECIALIST CARE AND ANC DRUGS) NOT COVERED
Delivery (SVD/NORMAL and COMPLICATED) NOT COVERED
Delivery (MULTIPLE) NOT COVERED
Assisted Delivery NOT COVERED
Therapeutic Abortion (Manual Vacuum Aspiration) NOT COVERED
CAESARIAN SECTION NOT COVERED
INFERTILITY CARE
Fertility Specialist Consultation and Counselling NOT COVERED
Fertility Investigations NOT COVERED
CARE FOR THE NEWBORN
Care for babies NOT actively on the plan NOT COVERED
Incubator care NOT COVERED
Special baby unit and neonatal intensive unit NOT COVERED
FAMILY PLANNING
Copper T Intrauterine Device NOT COVERED
Injectibles (Depo Provera,Noristerat) NOT COVERED
Contraceptive pills NOT COVERED
Jadelle implant NOT COVERED
Implanon NOT COVERED
Norplant NOT COVERED
CANCER CARE
Oncologist/ Cancer Specialist visits NOT COVERED
Oncological investigations NOT COVERED
Cancer-related Radiological investigations NOT COVERED
Surgical cancer care NOT COVERED
Chemotherapy NOT COVERED
RENAL CARE (DIALYSIS)
Dialysis and all related care NOT COVERED
WELLNESS CHECKS
Blood Pressure Check (Hypertension Screening) NOT COVERED
Blood Sugar Check (Diabetes Screening) NOT COVERED
Blood Cholesterol Check NOT COVERED
Annual Visual Acuity Check (Using Snellen Chart) NOT COVERED
Mammography (For Women ≥ 40 years of age) NOT COVERED
Pap Smear NOT COVERED
PSA Check (For Men ≥ 40 years of age) NOT COVERED
Liver Function Test NOT COVERED
Kidney Function Tests (E, U, and Cr) NOT COVERED
Chest X-ray NOT COVERED
OTHERS
Healthcare for pandemics/epidemics/injurires from war or conflict NOT COVERED
Autoimmune disorders NOT COVERED
Sickle cell anemia and illnesses related to genetic disorders NOT COVERED
Plastic/cosmetic surgery and treatments NOT COVERED
Birth defects and congential illnesses NOT COVERED
Food supplements NOT COVERED
Dietary and Nutritional Supplements NOT COVERED
Non-prescription drugs NOT COVERED
Experimental Drugs and Treatments NOT COVERED
Healthcare or costs from alcoholism and substance absuse and intoxication NOT COVERED
Health care for organ transplant NOT COVERED
Spinal cord injuries/treatment NOT COVERED
Glaucoma treatment NOT COVERED
Speech disorders and learning disabilities NOT COVERED
Hormonal replacement therapy NOT COVERED
Health care for attempted suicide/intentional injury/high-risk sports NOT COVERED
Embalmment, autopsies and mortuary services NOT COVERED
All healthcare arising from, or related to exclusions NOT COVERED