In our previously communicated elderly medical insurance fund, we made sure that a simple and clear exclusion list is shared with our clients. Simplicity and clarity will manage expectations and guarantee exceptional service. We do not believe in detailed, complicated conditions and sublimits. Everything not excluded is covered. This new way of thinking will elevate the insurance industry to new levels, and will protect our clients from underwriting barriers that might reflect negatively on future claims.

Now here you go; here's the simple and clear exclusion list:

- Any hospitalization not medically mandatory for the beneficiary's health.

- Any treatment which is still experimental and/or not approved by the US FDA

- Mental and psychiatric disorders, nervous breakdowns and psychological tests and evaluations

- Cures, custodial care and rehabilitation relative to alcohol and drug abuse

- Active participation in war, acts of terror, warlike activities, civil strife and commotion, crimes and any illegal activity during prison stay

- Claims arising from ionization, polluting chemicals and nuclear contamination

- Dental and gum medical and surgical treatment of any condition unless medical intervention is due to accident (to be notified within 6 months of accident date)

- Cosmetic - plastic surgery unless due to accident.

- Breast reconstruction unless surgery is performed under our insurance cover and with a maximum of 6 month after excision surgery.

- The costs of all kinds of prothesis and orthesis relating to an organ or limb. Coverage does not exclude cost of stents, pacemakers, cardiac valves, spinal fixation, total hip replacement etc...

- Physiotherapy unless due to accident already covered under our insurance plan.

- Hair treatment

- Ambulance and air ambulance expenses.

- Speech therapy treatment

- Keytruda Cost