General Policy Exclusions for Group Medical Insurance
MassMutual Asia shall not pay expenses incurred as a result of : -
- Injuries sustained due to insanity or self-infliction.
- Functional disorders of the mind.
- Participation in illegal act.
- Congenital deformities or anomalies.
- Refractive error of eyes, fitting of glasses.
- Vaccination or immunization injection.
- Drug addiction, alcoholism or any sickness arising therefrom.
- Cosmetic or plastic surgery for beautification purposes.
- Dental or oral treatment, surgery or gingivitis except dental operation on injury sustained in an accident.
- General physical or medical check-up; any physiotherapy unless recommended by a Registered Medical Practitioner.
- Pregnancy, childbirth, miscarriage, abortion, birth control, sterilization or any complications arising therefrom.
- Treatment of AIDS (Acquired Immunization Deficiency Syndrome) or AIDS related complex or sexual transmitted disease.
- Pre-existing conditions for which the Member received medical treatment, during the 90 days preceding the commencement date of his/her coverage.
The above information is for reference only. The insurance coverage shall be subject to the terms and conditions contained in the Policy.