> Injuries of war or resulting from any terrorist act (whether war is declared or not);
> Organ donation and receipt;
> Charges for a treatment or procedure not provided by a registered medical practitioner practising within his or her scope of practice; > Treatment provided by a public hospital , except where expressly covered by this policy; > Physiotherapist, chiropractor, osteopath, naturopath, homeopath, acupuncturist, podiatrist, dietician, counsellor and speech therapy costs; > Nursing costs, except where expressly covered by this policy; > Prescription charges, except where expressly covered by this policy; > Any charge incurred for non-essential or personal items (for example, newspapers, spouse/family meals, alcohol, TV rental); > Any appliances, aids, implants or equipment including but not limited to implantable defibrillators, nerve appliances, hearing aids, cochlear implants, braces, crutches, mouth-guards, orthotics, insulin pumps, CPAP machines and any other appliances or equipment (surgical, medical or dental) except cardiac pacemakers, implantable loop recorders or where expressly covered under a benefit in this policy; > Any condition arising from participation in a criminal activity; > Any condition specifically excluded in the policy document; > Costs for treatment carried out outside of New Zealand (except where expressly covered under the Overseas Medical Treatment Benefit);
> Palliative care;
> Any part of a claim that you make under this policy to the extent that you are able to recover from sources outside of this policy, including any other contract of insurance, regardless of whether you claim from these other sources or not. > Any benefit under this policy for any additional surgery performed during any operation, which is not directly related to any medical condition or treatment covered under the terms of this policy.
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711 ABH-BS version 8 Effective 08 April 2022
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