以下為一般醫療保險(基本保障)不受保項目之概略,詳細內容請參閱保單: |
1.不是在醫療必需或經由註冊醫生處方的情況下購買藥物,進行治療或測試 |
2.純粹因接受一般身體檢查、 X 光診斷、先進造影、化驗或物理治療而住院 |
3.任何先天性疾病(疝氣、斜視及包皮開口狹窄除外)或成長障礙狀況或疾病的治療 |
4.受保前已存在的疾病 |
5.直接或間接因後天免疫力缺乏症病毒及其有關的傷病而引致的費用,包括愛滋病及/或因愛滋病而引發的任何突變、衍生或變異,並於受保人的保障生效日期前因感染後天免疫力缺乏症病毒而病發 |
6.直接或間接由於或因為以下事項所引致的治療或傷病:濫用藥物或酒精、自我毀傷或企圖自殺、不法活動、飲用超過規定水平的酒精後駕駛,或經由性接觸傳染的疾病或其後遺症 |
7.以美容為目的的任何治療及服務費用 |
8.與婦產及其併發症有關的所有檢查、治療及諮詢服務,包括驗孕及期後的分娩;墮胎或流產;節育或恢復生育;兩性結紮;不育治療等 |
9.牙科治療及口腔外科手術,因意外而需在醫院接受的緊急治療除外。保障不包括於住院期間接受有關牙科治療及口腔外科手術後所需的覆診治療 |
10.直接或間接由任何精神或心理狀況,以及其生理及心理表現引致的治療 |
11.直接或間接因戰爭(不論宣戰與否)、內戰、侵略、外敵行動、敵對行動、叛亂、革命、起義或軍事政變或奪權所引致的治療或傷病 |
12.直接或間接因職業性運動或高風險活動所引致的治療或傷病 |
13.其他不受保項目以保險公司的承保決定為準 |
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