REAL Health
SECTION E – EXCLUSIONS
We will not pay any claims under this Policy for:
Any illness, injury or condition caused by or traceable to any medical condition of which You were aware or the Life Assured was aware, or displayed symptoms of, or for which treatment or medical advice had been sought prior to the Policy Commencement Date , which should have been disclosed to Us in the application form or by additional correspondence up to the date the Policy was issued (as per Your Duty of Disclosure outlined in Our application form and in this Policy document). Any ailment declared on Your application form which was not excluded by Us on Your Policy Schedule will be covered by this Policy , unless specifically excluded elsewhere in the document. Any illness, injury, condition or disability arising from, caused or contributed by, drug taking, intoxication or misuse of alcohol. This includes the misuse of prescribed or non-prescription drugs, including where they have not been taken in accordance with the manufacturer’s or Recognised Health Professional’s directions. Appliances and/or devices, including but not limited to, surgical, medical or dental appliances. Bariatric surgery for any condition including but not limited to obesity, diabetes and sleep apnoea, except where coverage is expressly stated in this Policy . Congenital conditions except where coverage is expressly stated in this Policy . Any form of psychiatric treatment and/or psychological treatment including, but not limited to: medical psychotherapy; any form of therapy or counselling (except where cover is stated in this Policy ); in-patient care in a Private Hospital or clinic; prescription or non-prescription drugs. Any Non-PHARMAC funded medicines (except where these are specifically covered). Any mental disease or disorder, behavioural and developmental conditions including but not limited to Attention Deficit Disorder. Dementia and Alzheimer’s disease. Any continuous care (geriatric hospitalisation, palliative, respite, long-term care, convalescence and disability support services). Any injury or disability as a consequence of war, warlike hostilities, civil war or civil commotion. Cosmetic treatment including complications thereof. Any treatment not medically necessary as defined by Us except where specifically included in the Policy . All dental treatments, including but not limited to periodontal surgery, orthodontal, endodontal or prosthodontal surgery, implant prosthesis, check- ups, fillings, caps, repair of broken teeth, gold, titanium or other exotic materials 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 this Policy ).
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