Exclusions List

  • Cosmetic Surgery and Aesthetic Treatments/Medications
  • Drugs not prescribed by a medical doctor
  • Ayurvedic/herbal/unorthodox medications whether prescribed or not
  • Diagnosis and Treatment Overseas
  • Assisted Reproduction and Fertility/Infertility consultation, tests, and treatment including but not limited to artificial insemination, gynaecological hormone replacement therapy, etc.
  • Sexual and Erectile Dysfunction consultation, diagnosis & treatment
  • Rehabilitation other than Physiotherapy
  • Physiotherapy unless recommended by Surgeon (orthopaedic and neurologist) or a physician specialist
  • Family Planning, Contraception
  • Injuries resulting from riots, demonstrations and civil war; or from the performance of any unlawful act.
  • Pre-existing Cancers
  • Alternative Treatment: Chiropractic Procedures, Ayurveda, Acupuncture, Traditional, and Herbal Medicine/Treatment (Except for herbal treatment at Mampong Centre for Scientific Research)
  • Slimming preparations or other forms of obesity treatment
  • Dietary supplements except for antenatal care and anaemic purposes
  • Dialysis for chronic renal failure
  • Neurosurgery
  • Cardio-thoracic surgery
  • Voluntary Medical Screening and Medical Screening for non-medical purposes (e.g. visa applications, loan application, driving license, pre-employment).
  • Mortuary Services
  • Vaccinations and Immunizations
  • Hepatitis Management/Treatment including viral load test
  • Treatment available as free public healthcare services such as Immunizations, Treatment of Tuberculosis, Onchocerciasis, Buruli Ulcer, Trachoma
  • Treatment for which the charges are reimbursed by any other insurance e.g.: third party road traffic accident
  • In-patient and Out-patient treatment of mental illnesses.
  • Voluntary Medical Screening and Medical Screening for non-medical purposes (e.g. visa applications, loan application, driving license, pre-employment).
  • Attempted suicide or intentional self-injury or illness resulting from alcoholism and drunkenness or drug addiction
  • Costs arising from injury sustained while taking part in dangerous sports such as bungee jumping, paragliding or car racing, etc.
  • Surgeries on account of pre-existing conditions, unless after a one year waiting period.
  • Transplants/Implants
  • All elective abortions
  • Congenital abnormalities
  • Medical appliances (e.g., nebulizer, thermometer, orthopaedic shoes, artificial limbs, glucometers and strips, wheel chairs, neck colours, knee braces, crutches, walking sticks, contact lenses, etc.)
  • Rest cures, sanitaria, periods of quarantine or isolation
  • Dental: Dentures, crowns, bridges, artificial teeth, braces
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