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Principal
exclusions
There are
some costs and expenses the Global Health Essential plan does not cover:
§
Pre-existing conditions (see pages 6 and 7
of the Global Health Essential plan agreement regarding your obligation to
disclose all facts relating to your own at to your dependants’ medical
history)
§
Addictive
conditions/disorders and alcohol, drug and solvent abuse
§
Birth control,
infertility, assisted reproduction, sexual problems and sex changes
§
Birth defects and
congenital conditions (although there is limited cover for the first 14
days of life, provided the mother has been insured by a Global Health
Essential Care plan for at least 12 months)
§
Bone Marrow Transplants,
Organ transplants and stem cell harvesting
§
Chronic conditions
§
Convalescence and
rehabilitation
§
Cosmetic surgery
§
Dental treatment
§
HIV/Aids
§
Long-term kidney dialysis
§
Pregnancy (although there
is limited cover for complications of pregnancy after 12 months continuous
cover under the Essential Care plus plan)
§
Illness or injury caused
by professional sports and racing
§
Psychiatric conditions
§
Routine preventive health
checks and vaccinations
§
Sexually transmitted
diseases
§ Active
participation in war and terrorism
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