MPower (7.2003)  
Article Index:
1. MPower (7.2003)
2. Benefits
3. Annual Premium
4. Optional Cover
5. Pre-Existing Conditions
6. Frequently Asked Questions
7. Exclusions
Page 7 of 7
This Policy shall not cover:
  • All Pre-existing conditions.
  • The following Specific Illnesses occurring within the first twelve (12) months:-
    • Stones in the urinary and biliary systems and cholecystitis
    • Hypertension and diabetes mellitus
    • Cardiovascular disease and varicose veins/deep vein thrombosis
    • Cataracts and pterygium
    • All tumours, cancer, cysts, nodules, polyps, growth and lumps of any kind including malignant blood/leukaemia
    • All ear, nose (including sinuses) and throat (including tonsil and thyroid) conditions requiring surgery
    • Hernias, haemorrhoids, fistulae, hydrocele, varicocele
    • Systemic Lupus Erythematosus/Discoid Lupus Erythematosus, Epilepsy, Gastritis and Peptic Ulcer and Erosion
    • Endometriosis, Adenomyosis, Prolapsed Uterus, Uterine conditions requiring hysterectomy (including disease of the Reproductive System)
    • Prostate conditions requiring surgery
    • Vertebro-spinal disorders (including discs) and knee conditions; not accompanied by fractures but requiring surgery; carpal tunnel syndrome
  • Any medical or physical conditions arising within the first thirty (30) days of the Insured Person’s cover except for accidental injuries.
  • Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured Person and Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Insurance contract or the Social Security Organization (SOSCO).
  • Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof.
  • Dental conditions including dental treatment or oral surgery except as necessitated by accidental injuries to sound natural teeth occurring wholly during the Period of Insurance.
  • Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV (Human Immunodeficiency Virus) related diseases.
  • Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.
  • Pregnancy, childbirth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization.
  • Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations).
  • Hospitalization primarily for investigation purposes, diagnosis, X-ray examination, general physical or medical examination, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatment specifically for weight reduction or gain.
  • Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities.
  • Sickness or Injury arising from racing of any kind (except foot racing), skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.
  • Suicide, attempted suicide or self-inflicted injury intentional or otherwise while sane or insane.
  • Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.
  • War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.
  • Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.
  • Expenses incurred for donation of any body organ by an Insured Person and costs of acquisition of the organ including all costs incurred by the donor during organ transplant.
  • Expenses incurred for sex change operations.
  • Investigation and treatment of sleep and snoring disorders, and hormone replacement therapy for menopausal conditions.