Medical Exclusions
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1. Pre-existing Conditions (and illness and injury caused by any pre-existing conditions)
2. War, military action, terrorism, political insurrection, protest, or any act thereof
3. Congenital conditions
4. Maternity and Newborn Care
5. Mental or Nervous Disorders and/or Substance Abuse
6. Charges for services that are:
   • not incurred during the Period of Insurance
   • not submitted for payment within ninety (90) days of the date of service
   • not Medically Necessary
   • not administered or ordered by a Physician
   • provided at no cost
   • in excess of Usual, Reasonable, and Customary
   • for 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 who was HIV+ at time of enrollment into this insurance
   • provided by a chiropractor, unless ordered in advance by a doctor of medicine
   • provided by a Relative or by a person who resides in your home
   • not included as Eligible Medical Expenses as defined in certificate wording
   • required or recommended as a result of complications arising from any Treatment, Illness, Injury, or supply excluded from coverage or which is otherwise not covered under this insurance
7. Charges incurred for telephone consultations or due to a failure to keep a scheduled appointment
8. Charges incurred for Surgeries or Treatment or supplies which are Investigational, Experimental, or for Research Purposes, or charges related to genetic medicine or genetic testing
9. Charges incurred while confined primarily to receive Custodial Care, Educational or Rehabilitative Care
10. Charges incurred for any surgery, Treatment or supplies relating to:
    • weight modification (including morbid obesity)
    • modification of the physical body in order to change the physical appearance or psychological, mental or emotional well-being of the Insured Person
    • cosmetic or aesthetic reasons, except for reconstructive Surgery when such Surgery is Medically Necessary and is directly related to and follows a Surgery which was covered under this insurance
    • professional athletics, (including Injury sustained while (1) participating in any intercollegiate, or professional sport, contest or competition; (2) traveling to or from such sport, contest or competition as a participant; or (3) while participating in any practice or conditioning program for such sport, contest or competition)
    • Injury or Illness sustained while taking part in mountaineering activities; aviation (except when traveling as a passenger in a commercial aircraft); hang gliding; parachuting; glider flying; parasailing; sail planing; bungee jumping; snowmobiling; snow skiing except for recreational downhill and/or cross country snow skiing and/or snow boarding) (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 scuba diving
    • traveling in or upon, sitting in or upon, alighting to or from, or working on or around any motorcycle or recreational vehicle including without limitation: two- or three-wheeled motor vehicle; four-wheeled all-terrain vehicle (ATV); jet ski; or ski cycle
    • any Illness or Injury sustained while participating in any sporting, recreational or adventure activity when undertaken against the advice or direction of any local authority or qualified instructor or contrary to the rules and procedures of a recognized governing body for the sport or activity
    • any Illness or Injury sustained while participating in any activity when such activity is undertaken against medical advice
    • any Injury or Illness sustained while under the influence of intoxicating liquor or drugs
    • any willfully self-inflicted Injury or Illness
    • any Illness or Injury resulting from or occurring during the commission of a violation of law, excluding minor traffic violations
    • speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy
    • orthoptics, visual therapy or visual eye training
    • any Treatment of the feet
    • any hair loss
    • any sleep disorder
    • any exercise program
    • any exposure to any non-medical nuclear or atomic radiation, and/or radioactive material(s)
    • any organ or tissue or other transplant or related services, Treatment or supplies
    • any artificial or mechanical devices designed to replace human organs temporarily or permanently
11. Charges incurred for any Treatment or supply that either promotes or prevents or attempts to promote or prevent conception, and injuries or illness caused by such Treatment or supply
12. Charges incurred for any Treatment or supply that either promotes, enhances or corrects impotency or sexual dysfunction
13. Charges incurred for Dental Treatment, except as otherwise expressly set forth in the emergency Dental Treatment Benefit
14. Charges incurred for eyeglasses, contact lenses, hearing aids, hearing implants however, replacement prescription eyeglasses are covered to a maximum benefit of $135 if loss occurred related to a covered Accident
15. Charges incurred for eye Surgery to correct nearsightedness, farsightedness, or astigmatism
16. Charges incurred for any immunizations and/or routine physical exams
17. Charges incurred for any travel, meals, transportation and/or accommodations, except as provided for in this insurance
18. Charges or expenses incurred for nonprescription drugs, medicines, vitamins, food extracts, or nutritional supplements
19. Charges related to trips outside the country where an Injury or Illness occurred, except as provided for hereunder and as approved by the Company
20. Charges for Treatment or supplies for temporomandibular joint syndrome and/or craniomandibular syndrome in excess of the limited benefit provided under this insurance
21. Charges and all costs related to trips to the Host Country undertaken for the purpose of securing medical Treatment or supplies
22. Charges and all costs related to Emergency Medical Evacuation, Emergency Reunion, or Return of Mortal Remains unless approved and coordinated in advance by the CIEE
23. Charges for Treatment of learning disabilities, attitudinal disorders or disciplinary problems
24. Charges incurred for hospice care
25. Charges for Treatment of a Chronic Injury or Illness incurred beyond one hundred and twenty (120) days from the date of initial Treatment thereof

This is only a summary of the Plans Exclusions and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions of your insurance coverage. For a complete list of exclusions, please call CIEE.