HealthPlus Limitations And Exclusions:
In order to keep the cost of your cover as low as possible, we have to make certain limitations and exclusions.

HealthPlus is designed to cover treatment for acute illness or injury. Therefore, there are some exclusion to scheme such as:

Pregnancy, childbirth and related costs (unless covered under specific plan).

Dental treatment except if necessitated due to accident and for pain relief only.

Treatment of allergies or obesity.

Charges for immunizations or general health tests or examinations that are not due to or part of the treatment of any injury or illness.

Charges for food supplements.

Charges for medical appliances such as Nebulizers, Glucometers, etc.

Charges in connection with congenital birth defects.

Charges incurred by the insured as an organ donor.

Medical expenses arising due to war, invasion, civil unrest.

Outpatient treatment which are not covered by the policy.

Any increase in expenses incurred for treatment on account of the insured member being admitted to a more expensive room than allowed by his daily room and board sub-limit.

We also exclude ' pre-existing' conditions which are diseases, illnesses or injuries for which an insured receives treatment, incurs an expense or receives a diagnosis from a physician (even if no treatment is provided), at any time prior to applying for the policy. Pre-existing conditions are not covered, except for outpatient consultation visit charges. Any other treatment in connection with pre-existing conditions is not covered, unless specifically accepted in writing by Allianz EFU.