MediCare Reserve Health Insurance

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

• Benefits that do not satisfy the applicable policy conditions or eligibility requirements are excluded.
• Claims falling within applicable waiting periods are not payable during the waiting period.
• Expenses specifically excluded under the MediCare Reserve policy terms are not covered.
• Treatment expenses incurred during the applicable waiting periods are excluded.
• Hospitalisation undertaken only for diagnostic tests or evaluation is excluded.
• Obesity or weight-management treatment or surgery that is not medically necessary is excluded.
• Cosmetic or plastic surgery that is not medically necessary is excluded.
• Treatment for conditions arising from alcohol or drug abuse is excluded.
• Dietary supplements that can be purchased without a prescription are excluded unless otherwise covered.
• Expenses related to treatments that are not medically recognised are excluded.
• Maternity, sterility or infertility treatment is excluded unless specifically covered.
• Treatment arising from participation in hazardous sports as a professional is excluded.
• Treatment arising from war or war-like situations is excluded.
• Treatment arising from nuclear risks or armed-forces operations is excluded.
• Treatment arising from intentional self-injury or attempted suicide is excluded subject to policy terms.