Charges incurred for or arising
from the following services, treatments and/or conditions are excluded
from coverage under the Patriot plans, among others.
- Pre-existing Conditions. A pre-existing condition is defined
as any injury, illness, sickness, disease, or other physical,
medical, mental or nervous condition, disorder or ailment that
existed at the time of application or at any time during the
three years prior to the effective date of the insurance, including
any subsequent, chronic or recurring complications or consequences
related thereto or arising therefrom, whether or not previously
manifested or known, diagnosed, treated, or disclosed.
- Treatment or surgeries which are elective, investigational,
experimental or for research purposes.
- War, political insurrection, protest, or any act thereof.
- Immunizations and routine physical exams.
- Treatment of Temporomandibular Joint or dental treatment,
except as provided for in the Certificate of coverage.
- Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome,
or AIDS, and the cost of testing for these conditions, and charges
for treatment or surgeries which are incurred by any Insured
who was HIV+ at time of enrollment into this insurance.
- Pregnancy, childbirth, birth control, artificial insemination,
treatment for infertility or impotency, sterilization or reversal
thereof, or abortion.
- Injury sustained while participating in amateur or professional
sports or other athletic activity which is organized and/or
sanctioned, or which involves regular or scheduled practices,
games or competition. The following hazardous activities are
excluded, but may be added by the Optional Sports Rider: Scuba
diving, mountain climbing (up to 4500 meters or where ropes
or guides are normally used), jet, snow and water skiing and
snowboarding, skydiving, amateur racing, piloting an aircraft,
bungee jumping and spelunking.
- Vision or ear tests and the provision of visual or hearing
aids.
- Vocational, recreational, speech or music therapy.
- Treatment while confined primarily to receive custodial care,
educational or rehabilitative care, or nursing services.
- Charges, injuries and/or illnesses resulting or arising from
or occurring during the commission or continuing perpetration
of a violation of law by the insured, including without limitation,
the engaging in an illegal occupation or act, but excluding
minor traffic violations.
- Treatment for, and injuries and/or illnesses resulting or
arising from, substance abuse or drug addiction.
- Injury and/or illness resulting or arising from or sustained
while under the influence of or disablement of drugs or alcohol.
- Willfull self-inflicted injury or illness.
- Treatment required as a result of or arising from complications
from a treatment or condition not covered hereunder.
- Any services or supplies performed or provided by a relative
of the Insured or provided at no cost to Insured.
- Treatment for mental and nervous disorders.
- Organ or tissue transplants or related services.
- Illness or injury where the trip to the host country is undertaken
for treatment or advice for such Illness or injury, except as
provided for Certificate of coverage.
- Treatment incurred as a result of or arising from exposure
to nuclear radiation, and/or radioactive material(s).
This web site contains only a consolidated and summary description
of all current Patriot Group Travel Medical Insurance benefits,
conditions, limitations and exclusions. A certificate containing
the complete Policy Wording with all terms, conditions and exclusions
will be included with the fulfillment kit. |
