MediCare Plus Health Insurance

Conditions or treatments that the policy clearly says it will not cover.

• Expenses outside the selected super top-up coverage are not covered.
• Eligible expenses below the applicable aggregate deductible do not trigger the super top-up benefit.
• Treatments and expenses specifically excluded under the policy terms are not covered.
• Alcoholic pancreatitis is excluded under the medical exclusions.
• Congenital external diseases, defects or anomalies are excluded.
• Stem cell therapy is excluded unless specifically covered under applicable policy terms.
• Growth hormone therapy is excluded.
• Treatment for sleep apnoea is excluded where it falls within the specified medical exclusions.
• Admission primarily for administration of intra-articular or intra-lesional injections is excluded.
• Admission primarily for intravenous immunoglobulin infusion is excluded.
• Admission primarily for administration of supplementary medications is excluded.
• Claims falling within the selected deductible are not payable under the super top-up cover.
• Expenses incurred during the applicable initial waiting period are excluded except where an applicable exception applies.
• Specified diseases and procedures are not covered during their applicable waiting period.
• Pre-existing diseases are not covered during the applicable pre-existing disease waiting period.
• A change in the insured member’s health status before policy commencement that was not disclosed and accepted may affect claim admissibility.