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.