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Pocket Guide

Exclusions

The following benefits are NOT covered under your scheme:

The Company shall not be liable for payment in respect of: -

1. Expenses incurred in connection with cosmetic or beauty treatment and/or surgery (unless necessitated by an accidental injury or acute illness occurring while the Insured Person(s) is covered under this Policy);
2. Expenses relating to services that were not agreed/ or pre-authorized.
3. Expenses relating to treatment undertaken in nature cure clinics or health hydro, sanitaria, custodial care or similar establishments or private beds attached to such establishments;
4. Treatment of psychiatric conditions.
5. 2nd line and 3rd line HIV treatment
6. The policy does not cover any costs and expenses incurred in connection with treatment of cancer, malignant tumor and such other ailments.
7. Medical expenses incurred outside Uganda.
8. Expenses related to an illness that is as a result of an unlawful action on the part of the patient, the practice of dangerous sport, excessive or illegal use of alcohol, drugs or any addictive substance, a self inflicted wound, suicide, or any illness or injury sustained during service in armed forces of any country.
9. Chronic medical Conditions, congenital conditions, conditions related to premature birth.
10. Expenses incurred above a person’s total cost of benefits.
11. Experimental treatments, treatment for infertility or impotence, dietary supplements, vitamins and mineral supplements, treatment for congenital defects or malformations.
12. Dental treatment other than: one cleaning per capita, Black Amalgam filling, non surgical Extractions