Charges for the following conditions, treatments (including diagnoses, tests, and examinations), services, supplies,
acts, omissions, and/or events are excluded from coverage hereunder:
Pre-existing conditions, whether known or unknown, are excluded during the first 6 months of coverage under the
Elite and Select levels, during the first 12 months of coverage under the Budget level, and are excluded
throughout coverage under the Smart level, except charges resulting directly from an Acute Onset of Pre-existing
Condition, an Emergency Medical Evacuation, or Repatriation of Remains, subject to the limits set forth in the
Schedule of Benefits and Limits.
- Congenital illnesses.
Immunizations, routine physical exams, and other diagnostic labs, x-rays, and procedures for screening or
preventative purposes, except as provided under the Vaccination benefit on the Elite level only.
Dental treatment and treatment of the temporomandibular joint, except for emergency dental treatment necessary
to replace sound natural teeth lost or damaged in an accident covered hereunder or for the emergency relief of
acute onset of pain.
- Mental health disorders if treatment is obtained at a student health center.
- Physical therapy if treatment is obtained at a student health center.
- Chiropractic treatment, unless ordered in advance by a physician for medically necessary treatment related to a
covered injury or illness, and not obtained at a student health center.
- Routine pre-natal care, pregnancy, child birth, post-natal care, and nursery care of a newborn, unless directly
related to a covered pregnancy under the Budget, Select and Elite levels.
- Elective termination of pregnancy.
- Promotion or prevention of conception including but not limited to: artificial insemination, treatment for
infertility, sterilization or reversal of sterilization.
- Venereal disease, including all sexually transmitted diseases and conditions.
- HIV, AIDS, or ARC, and all diseases caused by and/or related to HIV.
- Organ or tissue transplants or related services.
- Self-inflicted injury or illness and/or suicide or attempted suicide whether sane or insane.
- Injury sustained that is due wholly or partially to the effects of intoxication or drugs other than drugs taken
in accordance with treatment prescribed by a physician and except drugs prescribed for the treatment of
- Voluntarily using any drug, narcotic or controlled substance, unless as prescribed by a physician.
- Charges resulting from or occurring during the commission of a violation of law, including without limitation,
the engaging in an illegal occupation or act, but excluding minor traffic violations.
- Eye surgery, such as corrective refractory surgery, when the primary purpose is to correct nearsightedness,
farsightedness or astigmatism.
- Corrective devices and medical appliances, including eyeglasses, contact lenses, hearing aids, hearing implants,
eye refraction, visual therapy, and any examination or fitting related to these devices, dentures or dental
and all vision and hearing tests and examinations.
- Orthoptics and visual eye training.
- Orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak,
strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or
- Hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed.
- Acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and atrophic
conditions of skin, nevus.
- Sleep apnea or other sleep disorders.
- Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care
of any nature, massage and kinestherapy.
- Psychometric, intelligence, competency, behavioral and educational testing.
- While confined primarily to receive custodial care, educational or rehabilitative care, or any medical treatment
in any establishment for the care of the aged, except rehabilitative care received upon direct transfer from an
acute care hospital.
- Cosmetic or aesthetic reasons, except for reconstructive surgery when such surgery is directly related to and
follows a surgery which was covered hereunder.
- Modifications of the physical body intended to improve the psychological, mental or emotional well-being,
including but not limited to sex-change surgery.
- Obesity or weight modification, including but not limited to wiring of the teeth and all forms of intestinal
- Exercise programs, whether or not prescribed or recommended by a physician.
- Incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).
- Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease
and Prevention (CDC) has issued a Level 3 Travel Warning if a) the warning has been in effect within the 6
immediately prior to your date of arrival, or b) within 10 days following the date the warning is issued you
failed to depart the country or location.
- Investigational, experimental or for research purposes.
- Complications or consequences of a treatment or condition not covered hereunder.
- Incurred outside your certificate period.
- Submitted to us for payment more than 60 days after the last day of the certificate period.
- Exceeding usual, reasonable and customary.
- Not medically necessary.
- Not administered by or ordered by a physician.
- Provided by a relative, family member or any person who ordinarily resides with you.
- Provided at no cost to you.
- Telephone consultations or failure to keep a scheduled appointment.
- When departure from the home country is to obtain treatment in the destination country/countries.
- Travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation,
Repatriation of Remains, and Emergency Reunion sections of this insurance.
- Payable under any government system, including the Australian Medicare system.
- War, military action or while on duty as a member of a police or military force unit.
- Not included as Eligible Expenses as described herein.