Exclusions

Exclusions and Limitations

Charges for the following services, treatments and/or conditions, among others, are expressly excluded from coverage under the Visitors Care plan:

• Pre-existing Conditions. Any Injury, Illness, sickness, disease, or other physical or medical disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three years prior to the Effective Date of the Initial Period of Coverage, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
• 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 otherwise expressly provided for in the Policy Wording.
• 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 Person 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.
• Any Injury or Illness sustained while taking part in mountaineering activities where specialized climbing equipment, ropes or guides are normally or reasonably should have been used, Amateur Athletics or professional athletics, aviation (except when traveling solely as a passenger in a commercial aircraft), hang gliding and parachuting, snow skiing except for recreational downhill and/or cross country snow skiing (no cover provided whilst skiing in violation of applicable laws, rules or regulations; away from prepared and marked in-bound territories; and/or against the advice of the local ski school or local authoritative body), racing of any kind including by horse, motor vehicle (of any type) or motorcycle, spelunking, and subaqua pursuits involving underwater breathing apparatus.
• Vision or ear tests and the provision of visual or hearing aids.
• Vocational, recreational, speech or music therapy.
• Charges incurred for 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 Person, including without limitation, 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 being under the influence of alcohol or drugs; and injury or illness resulting from operating of any type of vehicle after consuming any alcohol or drugs.
• Willful self-inflicted injury or illness.
• Treatment required as a result of or arising from complications from a treatment or condition not covered under the Visitors Care plan.
• Any services or supplies performed or provided by a relative of the Insured Person or provided at no cost to the Insured Person.
• Treatment for mental and nervous disorders.
• Organ or tissue transplants, and all related services.
• Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).

* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.