Medical Benefit (Hospitalisation and Outpatient Care):

• Plastic/Cosmetic surgery or treatment including (but not limited to) for e.g. double eyelids, acne, keloids, scars, skin tags, gynaecomastia, diffused alopecia/hair loss, etc., or treatment of their complications, or

• Care and treatment that is experimental, investigative or unproven services and not according to accepted professional standards and/or is not medically necessitated. This exclusion includes (but is not limited to) treatments such as: 

1. • Stem cell treatment, related workout and any complications arising thereafter.
   • Blood surety.
   • Hormone therapy and hormone replacement therapy except for surgically induced menopause.
   • Surgical treatment specifically for weight reduction or gain.

• Dental procedures which are not included in the Schedule of Benefit.
• Charges for treatment by anyone other than a legally qualified Dentist.
• Charges for dentures when such charges are incurred for replacement of congenitally missing teeth or all teeth of which were lost while the individual was not insured under the plan.
• Charges for services and supplies that are partially or wholly cosmetic in nature, including charges for personalization or characterization of dentures.

Group Term Life:

Death

• No benefits shall be payable on the account of the Insured Member, whether sane or insane, commits suicide within six (6) months from the effective date of Insured Member’s insurance coverage.

Total and Permanent Disability (All causes)

Partial and Permanent Disability (Natural causes)

Partial and Permanent Disability (Accidental causes)

• Disability due to suicide, self-inflicted injuries or any attempt thereat, while sane or insane, or
• Disability due to pre-existing conditions for which the Insured Member received medical treatment, diagnosis, consultation or prescribed drugs during the ninety (90) days preceding the effective date of coverage and if the disability begins within the first twelve (12) months after the Insured member’s effective date of Coverage.

Repatriation Benefit

No benefits shall be payable for:

• Any expenses incurred for services and supplies provided by a mortician or undertaker, including but not limited to the cost of casket, embalming and/or cremation, or
• Any expenses for the transportation of the Insured Member’s remain not approved and arranged by AIAS, or an authorised representative of AIAS.

Critical Illness

• No benefit shall be payable if the Diagnosis of the Critical Illness of the Insured Member was caused directly or indirectly, wholly or partly, by Acquired Immune-Deficiency Syndrome (AIDS) or any Human Immunodeficiency Virus (HIV).

Terminal Illness

• Attempted suicide while sane or insane and whether felonious or not, self-inflicted bodily injury, disorderly conduct on the part of the Insured Member, or upon the Insured Member deliberately exposing himself/herself to unnecessary danger, or
• Acquired Immune Deficiency Syndrome (AIDS), or
• The Insured Member having been engaged in hunting, mountaineering, aviation (except as a fare paying passenger on a commercial airline), naval, military or aeronautical service, or racing (other than foot racing) of any kind.

The description, benefits, exclusions, terms and conditions described above have been summarised and are not exhaustive. Details of more complete terms, conditions and exclusions are available in the Master Policy Contract.

To find out more, call us now at +603 - 2170 8000 or visit any of our branches for more information!