Last Updated(2/5/2025)
The following general exclusions apply to the Hospital+ product: 

• Any medical treatment or test that the Insured Individual has planned or expected to undergo; 
• Any treatment or surgical procedure for Congenital Anomalies; 
• Any treatment and complications related to Sexually Transmitted Diseases (STD’s), Human Immunodeficiency Virus (HIV), and HIV-related diseases or Acquired Immune Deficiency Syndrome (AIDS); 
• Any claim caused directly or indirectly by the use of alcohol or prohibited drugs, and any drug or medicine not prescribed by a Physician; 
• Any intentionally self-inflicted injuries, suicide or any attempt thereat, while sane or insane; 
• Any treatment of mental and nervous disorders, including but not limited to insanity; 
• Long-term rehabilitation and psychiatric care; 
• Any treatment for obesity, weight reduction or weight improvement; 
• Any experimental procedures or procedures that are not accepted as standard medical procedures including but not limited to chiropractic, acupuncture, herbal medicine, alternative medicine and other similar procedure or treatment; 
• Cosmetic or plastic surgery, any dental work, treatment or surgery, eye or ear examination, except to the extent that any of them is necessary for the repair or alleviation of damage to the Insured Individual caused solely by Accident; 
• Any claim relating to: 

1. Auto racing and any form of racing other than on foot; 
2. Bungee jumping, contact sports, motorcycling, parasailing, polo playing, skydiving, hang gliding, parachuting, paragliding or gliding, flying other than as a fare-paying passenger on a duly licensed commercial aircraft, rock or mountain climbing, non-recreational diving or sport diving, scuba diving, or any other hazardous activity; 
3. Participation in any professional dangerous sports, competition and preparatory or training; 
4. Participation in competition or tournaments organized by sporting federations or similar organizations; 
5. Damage caused by engaging in dangerous sports including but not limited to mountaineering, underwater activities or shooting; 

• Any violation or attempted violation of the law or resistance to arrest by the Insured Individual; 
• Murder, assault, brawl or any attempt threat, unless these are not have been provoked by the Insured Individual and not have happened while the Insured Individual is a) engaging in political activities, or b) performing investigative, security or political function, or c) holding any elective governmental position; 
• Losses incurred while performing his duties as a member of the Armed Forces, or Police Force, including those of escort and security services rendered in whatever capacity or form; 
• Poison, gas or fumes voluntarily taken, or any nuclear reaction, nuclear radiation or radioactive contamination, and chemical or biological contamination. For the purposes of this exclusion, “contamination” means the contamination or poisoning of people by nuclear and/or chemical and/or biological substances which cause illness and/or disablement and/or death; 
• War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, civil commotion assuming the proportion of or amounting to a popular uprising. This exclusion shall not be affected by any endorsement which does not specifically refer to it in whole or in part; and 
• Any Act of Terrorism or any action taken in controlling, preventing, suppressing, or in any way relating to, any act of terrorism. For the purpose of this exclusion, an “Act of Terrorism” means an act, including but not limited to, the use of force or violence, atomic/ biological/ chemical weapons, weapons of mass destruction, disruption or subversion of communication and information systems infrastructure and/or the contents thereof, sabotage or any other means to cause or intended to cause harm of whatever nature and/or the threat of any of the aforementioned acts, of any person or group(s), whether acting alone or in behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public. 

• Appendectomy, freeing of adhesions or exploration of, or cutting into, the abdominal cavity
• Removal of, or other operation on gall bladder
• Gastro-enterostomy
• Resection of stomach, bowel or rectum 

• Thigh, leg
• Upper arm, forearm, entire hand or foot
• Fingers or toes, each

• Removal of benign tumor or cyst
• Simple amputation
• Radical amputation

• Complete thoracoplasty, transthoracic approach to stomach, diaphragm or esophagus; sympathectomy or laryngectomy
• Removal of lung or portion of lung cauterization or conization, polypectomy,
• Brochoscopy, esophagoscopy
• Induction of artificial pneumothorax, initial refills each (not more than 12) 

• Hip, vertebra or vertebrae, ankle joint, elbow or knee joint (patella excepted)
• Shoulder
• Lower jaw, collar bone, wrist or patella
• For a dislocation requiring an open operation, the maximum will be twice the amount shown above

• Hip joint
• Shoulder, knee joint, semilunar cartilage, elbow, wrist or ankle joint
• Removal of diseased portion of bone, including curettage (alveolar process excepted)

• Mastoidectomy, one or both sides: Simple; Radical
• Tonsillectomy, adenoidectomy, or both
• Sinus operation by cutting( puncture of antrum excepted)
• Submucuos resection of nasal septum
• Tracheotomy
• Any other cutting operation

• Operation for detached retina
• Cataract, removal of
• Any other cutting operation into the eyeball (through the cornea or sclera) or cutting operation on eye muscles
• Removal of eyeball 

• Thigh, vertebra or vertebrae, pelvis, (coccyx excepted)
• Leg, kneecap, upper arm, ankle (Potts)
• Lower jaw (alveolar process excepted), collar bone, shoulder blade, forearm, wrist (Colles), skull
• Hand, foot
• Fingers or toes, each
• Nose
• Rib or ribs, three or more, or fewer than three
• The amounts shown above are for simple fractures
• For a compound fracture, the maximum will be one and one-half times the amount for the corresponding simple fracture
• For a fracture requiring an open operation with grafting, bone splinting, or metallic fixation at point of fracture, the maximum will be twice the amount for the corresponding simple fracture

• Removal of, or cutting into, kidney
• Fixation of kidney
• Removal of tumors or stones in ureter or bladder:
  • by cutting operation
  • by endoscopic means
• Cystoscopy
• Prostatectomy
• Simple punch for median bar
• Partial resection via cytoscope
• Complete removal, any approach
• Varicocele, hydrocele, orchidectomy or epididymectomy, single or bilateral
• Hysterectomy or panhysterectomy
• Other cutting operations on uterus and its appendages with abdominal approach
• Cervix amputations
• Vaginal plastic, operation for cystocele or rectocele

• Removal of thyroid, subtotal
• Removal or adenoma or benign tumor of thyroid

• Single hernia
• More than one hernia

• Incision into, tapping excepted 

• Cutting or transplant, single or multiple
• Suturing of tendon, single or multiple
• Fenestration, one or both sides

• Tapping

• Hemorrhoidectomy, external, internal or internal and external
• Cutting operation for fissure
• Cutting operation for thrombosed hemorrhoids
• Cutting operation for fistula-in-ano, single, multiple

• Cutting into cranial cavity (trephine excepted)
• Trephine

• Operation for spinal cord tumor
• Operation with removal of portion of vertebra or  vertebrae (except coccyx, transverse or spinous process)
• Removal of part or all of coccyx, or of transverse or spinuous process

• Benign or superficial tumors and cysts or abscesses
• Malignant tumors of face, lip or skin 

• Injection treatment, complete procedure; One or both legs
• Cutting operation, complete procedure; One or both legs