• Elective treatment (such as treatment of or for an ailment not materially detrimental to health) including complications thereof. • Treatment and investigations deemed not medically necessary by Us . • Dental surgery, including, but not limited to periodontal surgery or prosthodontal surgery for implant prosthesis, or check-ups, fillings, caps, repair of broken teeth or orthodontics, except where cover is expressly provided by this Policy. • Infertility, or treatment for it, impotency or treatment for it, sterilisation and contraceptive procedures (except where coverage is expressly stated in Clause 17 under Section C of this Policy ). • Breast reduction except where coverage is expressly stated in this Policy . • Laser surgery (for cosmetic purposes). • Pregnancy, childbirth, abortion or caesarean sections (except where coverage is expressly stated in Clause 9 under Section C of this Policy ). • Reversals of sterilisation procedures. • Intentional self-injury or attempted suicide or suicide. • Preventative Treatment, mole mapping, Preventative and Routine Screening or health surveillance testing (investigative procedure where there is no medical condition/symptoms) unless a medical condition is diagnosed as a result of the investigations and the Preventative and Routine Screening is directly related to any Private Hospital admission by Us . • Expenses recovered or recoverable from a third party or under any other contract of indemnity or insurance. • Treatment, expenses incurred outside New Zealand except where coverage is set out under Clause 7 “Cover While in Australia” under Section C of this Policy . • Radial Keratotomy or Photo-refractive Keratectomy or any related complications. • Spectacles, corrective lenses or surgery for visual errors. • General Practitioner costs. • Optometrist costs. • Prescription drugs or charges, excluding medications prescribed upon discharge from a Private Hospital . • Expenses covered by the Injury Prevention, Rehabilitation and Compensation Act 2001 (or any subsequent legislation). • Where the Ministry of Health has declined the insured free access of the full Public Health Services, We will not cover the insured under this Policy , as Our Policy is designed to complement Ministry of Health and Disability services provided in the Public Sector. • Any investigation and/or treatment for sleep disturbances, snoring or obstructive sleep apnoea. • Any services or treatment other than services or treatment relating to a medical ailment treated by a health service provider, and recognised by the Medical Council of New Zealand or the New Zealand Department of Health or equivalent in Australia. • New medical technologies, treatments or procedures that have not been approved of in writing by Us . • No amount will be paid for charges relating to naturopaths, homeopaths, acupuncturists, podiatrists, herbalists, nutritionists, dieticians or alternative treatment therapists. • Any treatment for obesity or weight reduction except where coverage is expressly stated in this Policy . • Ancillary Public or Private Hospital charges of personal convenience nature. • Treatment for renal failure.
PC-SHC-04/2022
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