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Exclusions

The program shall not provide coverage for any expenses resulting from:

  • Cosmetic surgery.
  •  Treatment related to psychiatric, psychological, mental disorders, addiction and/or substance abuse.
  • Attempted suicide and self inflicted injuries.
  • Procedures not medically necessary to treat or diagnose illness or injury.
  • Biofeedback.
  • Acupuncture (except when used for anesthetic purposes in conjunction with other medical procedures).
  • Male or Female Circumcision and sex transformation.
  • Diagnosis or treatment of sexual dysfunction and/or inadequacy and penile prosthesis.
  • Procedures related to abortion unless the attending physician determines that they are necessary to protect the life of the mother.
  • Services by providers who do not meet the criteria of “ authorized service provider”.
  • Services received while not covered by this plan.
  • Orthodontic or other dental prosthesis except if specifically included herein for coverage.
  • SPA cures, rejuvenation cures, massage, and treatment to cease smoking.
  • Non-medical hospital charges such as telephones or television.
  • Home help or similar household assistance unless performed by a certified medical professional and prescribed by HCI physician.
  • Venereal & Chronic Viral Diseases.
  • War, riot, civil commotion, invasion.