Unless otherwise specifically referred to in the Quotation, the following exclusions will apply:

1. Radioactive contamination, ionizing radiation, radioactive, toxic, explosive or other hazardous properties of nuclear material thereof, and/or polluting hazardous or poisoning chemicals.
2. Injuries caused by the performance of the following hazardous sports as a profession: diving involving the aid of breathing apparatus, rock climbing or mountaineering normally involving the use of ropes or guides, potholing, hunting on camel or horseback, or driving or riding in any kind of race, parachuting or hang gliding, or jet skiing.
3. Expenses for treatment or care caused by or related to HIV infection or AIDS, however covered only if contracted as a result of blood transfusion and opportunistic infections such as (TB, Toxoplasmosis, Pneumococcal infections…) and as more fully described in the Quotation.
4. Diseases acknowledged by the WHO as epidemic or
5. Vaccinations however it is covered for children less than 6 years
6. General Health and regular Check-
7. Infertility and Sterility treatment and
8. Cosmetic surgery, unless necessitated by an accident or covered medical
9. Psychiatric treatment as an in and out patient limited to the maximum allowed under the
10. Congenital deformities but covered if congenital condition is life
11. Self-inflicted bodily injury whilst sane or insane incurred
12. Impairment of an Insured’s intellectual faculties by abuse of stimulants or depressants or by the illegal use of any solid, liquid or gaseous substance.
13. Treatment of any conditions as a result of alcohol or drug
14. Any of (rest cure, sanatorium or custodial care, general physical health programs, and cost related to purely convalescence periods) where specialized care or observation is not required.
15. Rehabilitation unless specifically included in the
16. All Routine dental and Surgical Dental related services unless opted as a separate plan or if as a result of accident within the policy limits.
17. All types of artificial hair such as wigs and/or toupee, hair transplant and related cosmetic medicaments and cosmetic products; over the counter products related to diet regiment or reduction of weight, baby and antiseptic products.
18. Any organ transplantation, other than heart, liver, lung and Also the acquisition cost of such organs and all expenses incurred by the donor are excluded hereon.
19. Maternity Benefit related services unless opted as a separate
20. Abortion unless medically necessary to save the mother and/or child
21. Any outpatient treatment by family members even if licensed
22. Expenses incurred for treatment or care at long term care facilities, old age home, healthcare and diet resorts, and institutions for mentally disabled, lunatic asylums.
23. Any experimental medical treatment; all tests, drug and treatments not prescribe by a doctor; Contraceptive medicine and
24. Durable medical appliances such as; Hearing aids, wheel chairs, crutches, nebulizers and orthopedic
25. Expenses for treatment or care of any kind of
26. War and terrorism as per the policy wording unless if covered subject to an additional
27. If the insured member is on Air or Sea travel except as a passenger, or an Aircrew or Ship crew, or a member of the armed forces or police force, or a medical professional claiming under Medical Malpractice.
28. Varicocele and
29. Pain management services and any treatment offering temporary relief of pain rather than treating the underlying medical
30. Allergy tests and desensitization
31. If the member is or receives treatment in a territory sanctioned by the United
32. Sleep disorder cases, tests, procedures and surgeries related thereto including
33. Work related accidents and/or
34. Developmental Disorders
35. Road Traffic