01. Any congenital infirmity
02. Any pre-existing condition
03. Any food or food supplements, antiseptics, cosmetic cream etc.
04. Any pre-hospitalization expenses.
05. Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction
06. Any procedure which is experimental or not generally accepted by the medical profession i.e. acupuncture
07. Any cosmetic or plastic treatment/surgery unless required as re-constructive surgery as a consequence of injury due accidents/burns.
08. Rest, convalescence or rejuvenation cures, thermal baths or confinement for the purposes of slimming or beautification
09. Treatment for family planning purposes including termination of pregnancy, dilatation & curettage or sterility
10. Abortion, miscarriage, ectopic pregnancy, foetal death or any complication and/or sequel there from
11. Attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflected or due to insanity or under the influence of a drug
12. The examinations, fitting or replacement of eyeglasses including contact lenses or hearing aids
13. Health cheek-ups, radiotherapy, chemotherapy, any from of investigation/treatment when not incidental or necessary to the treatment of the injury/illness which caused hospitalization
14. Circumcision
15. AIDS and HIV related diseases
16. Any dental treatment
17. First Tk. 500 of each claim.
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