Exclusion
and Limitations
This is a summary list of exclusions
and limitations. Exclusions and limitation
is subject to change by the Insurer.
For full details on exclusions and
limitations please consult Winram
Insurance.
A.
This policy does not cover loss, fatal
or non-fatal, caused by or resulting
from:
1. Intentionally self-inflicted Injury;
2. Declared or undeclared war; acts
of terrorism; participation in a riot,
insurrection or civil commotion;
3. Service in armed forces
4. Pregnancy or childbirth
5. Trips outside of Canada for the
purpose of obtaining medical treatment,
assessment or consultation;
6. Participation in professional athletics
7. Participation in acrobatic, stunt
flying, hang gliding, any racing or
speed contests
B.
This policy does not cover any of
the following supplies or services
or costs therefore:
1. expenses paid or payable under
any government/group hospital, medical,
dental or health care plan, or expenses
for which insurance is prohibited
by law;
2. medical examinations for a 3rd
party, cosmetic surgery and dental
services other than those required
as a result of an accident.
3. Charges for experimental drugs,
oral contraceptives and patent medicines;
4. Charges for experimental medical
treatments
5. Services for which no charge would
ordinarily be made if there was no
insurance coverage;
6. Expenses incurred for eyeglasses,
contact lenses and hearing aids
7. Treatments, consultations and drugs
related to infertility
8. Expenses incurred outside of Canada
except "Emergency Treatment Benefit"
9. For any condition, medical treatment,
and/or counseling received 180 days
prior to arriving in Canada;
Underwritten by The American Home Assurance Company, a wholly owned subsidiary of AIG.
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