1. Pre-existing conditions, defined as any injury or illness which was contracted or which manifested itself, or for which a licensed physician was consulted, or for which treatment or medication was prescribed prior to the effective date of this insurance;
2. For services, supplies or treatment, including any period of hospital confinement, which were not recommended, approved and certified as necessary and reasonable by a physician;
3. For suicide or any attempt thereat while sane or self destruction or any attempt thereat while insane;
4. Declared or undeclared war or any act thereof;
5. For injury sustained while participating in professional athletics;
6. For sickness resulting from pregnancy, childbirth, or miscarriage, unless specifically provided by the Plan;
7. For miscarriage resulting from an accident, unless specifically provided by the Plan;
8. For routine or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or X-ray examinations except in the course of a disability established by the prior call or attendance of a physician;
9. For cosmetic or plastic surgery, except as a result of an accident;
10. For elective surgery which can be postponed until the insured returns to his/her country of residence;
11. For any mental and nervous disorders or rest cures;
12. For dental care, except as the result of injury to natural teeth caused by accident;
13. For eye refractions or eye examinations for the purpose of prescribing corrective lenses for eye glasses or for the fitting thereof, unless caused by accidental bodily injury incurred while insured hereunder;
14. In connection with alcoholism and drug addition, or use of any drug or narcotic agent;
15. For congenital anomalies and conditions arising out of or resulting therefrom;
16. For expenses which are non-medical in nature;
17. For the ordinary cost of a one-way airplane ticket used in transportation back to the Insured’s country where an air ambulance benefit is provided;
18. For expenses as a result or in connection with intentionally self-inflicted injury;
19. For expenses as a result of or in connection with commission of a felony offense;
20. For specific named hazards: Motorcycle driving, scuba diving, skiing, mountain climbing, sky diving, professional or amateur racing, and piloting an aircraft;
21. Treatment paid for or furnished under any other individual or group policy, or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for treatment without cost to any individual.

This is a brief description of the coverage.  Please refer to the policy certificate for a complete listing of Benefits and applicable Limitations and Exclusions. 
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