Breast reduction except where coverage is expressly stated in this Policy . Laser surgery that is not medically necessary (for cosmetic purposes). Pregnancy, childbirth, abortion or caesarean sections (except where coverage is expressly stated in this Policy ). Reversals of sterilisation procedures. Any medical condition, illness or injury that is either directly or indirectly caused by or results from intentional self-injury or attempted suicide or suicide. Preventative or Routine Screening , (including as a result of family history), where there is no current medical condition (except where cover is stated in this Policy ). Expenses recovered or recoverable from a third party or under any other contract of indemnity or insurance including ACC . Radial Keratotomy or Photo-refractive Keratectomy or any related complications. Any investigation and/or treatment for sleep disturbances, snoring or obstructive sleep apnoea. New or experimental medical technologies, treatments or procedures that have not been approved of in writing by Us . 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. Treatment for sclerotherapy (for cosmetic purposes). Any other exclusion or endorsement placed upon this Policy at time of underwriting or Policy issue including any complication related to that exclusion or endorsement. 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.
We reserve the right to claim expenses from any other source, including other insurers, wherever you may have additional coverage in respect to any claim made under this plan.
(INSIGHT 35.0.0) – May 2019 (Updated August 2019)
(Updated July 2021) (Updated April 2022) (Updated March 2024)
REAL Health – 0324
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