Wednesday November 14, 2018
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WinCare - Major Exclusions
Major Exclusions
  1. Undisclosed pre-existing illnesses or injuries
  2. Routine medical check-up
  3. Treatment relating to birth defects and congenital illnesses
  4. Prostheses, corrective devices and medical appliances not required intra-operatively such as crutches, artificial limbs and hearing aids
  5. Treatment of mental illness and psychiatric disorders
  6. Elective and cosmetic surgery or plastic surgery
  7. Self-inflicted injury, suicide, abuse of alcohol, drug addiction or sexually transmitted diseases
  8. AIDS or AIDS-related complex syndrome
  9. All hazardous or professional sports
  10. Treatment by non-registered medical practitioner
  11. Pregnancy (applicable to Gold Plan only)
  12. Miscarriage and abortion
  13. Sickness or injury resulting from war, strike, riot, civil commotion, any criminal act or terrorism
  14. Member of police or military force
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