CritiCare General Exclusions
| This entire Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, directly or indirectly in respect of: | |
| 1. | Any Pre-existing Condition, any complication arising from it, or |
| 2. | Any Illness, sickness or disease , other than specified as Critical Illness, as mentioned in the policy schedule, or |
| 3. | Any Critical Illness of which, the signs or symptoms first occurred prior to or within One Hundred and Eighty (180) days following the Policy Issue Date or the last Commencement Date, whichever is later, or |
| 4. | Any Critical Illness resulting from a physical or mental condition which existed before the Policy Issue Date or the last Commencement Date which was not disclosed , or |
| 5. | Intentionally self-inflicted Injury or illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune-deficiency Virus (HIV) infection; suicide, or |
| 6. | War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; or |
| 7. | Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or |
| 8. | The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or |
| 9. | Congenital anomalies or any complications or conditions arising therefrom; or |
| 10. | Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sport, any bodily contact sport or any other hazardous or potentially dangerous sport for which you are trained or untrained; or |
| 11. | Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy, or |
| 12. | Any Critical Illness based on a Diagnosis made by the Insured or his/her Immediate Family Member or anyone who is living in the same household as the Insured or by a herbalists, acupuncturist or other non-traditional health care provider; and |
| 13. | Cosmetic or plastic surgery or any elective surgery or cosmetic procedure that improve physical appearance, surgical and non-surgical treatment of obesity (including morbid obesity) and weight control programs, or treatment of an optional nature; |
| 14. | Special nursing care, routine health checks or convalescence, Custodial Care, general debility, lethargy, rest cure; |
| 15. | Any investigation(s) or treatments not directly related to a Covered Illness or Covered Injury or the conditions or diagnosis necessitating hospital admission; |
