CI Insure does not cover:
- Any illness or surgery other than a diagnosis of a critical illness covered under the policy;
- Critical illness of which the signs and symptoms is manifested prior to or within the waiting period;
- Any critical illness diagnosed due, directly or indirectly, to a congenital defect or disease which has manifested or was diagnosed before the Insured Person attains seventeen (17) years of age last birthday;
- Any pre-existing conditions prior to the issue date or effective date of reinstatement of the certificate of insurance, whichever is later;
- Critical illness in the presence of any AIDS or HIV. AIA reserve the right to require the Insured Person to undergo a blood test for HIV as a condition precedent to any acceptance of any claim.
- Any of the covered critical illness which is caused by suicide or intentional self-injury;
- Any of the covered critical illness resulting directly from alcohol or drugs abuse;
- If the Insured Person did not survive for at least fifteen (15) days after the diagnosis of a covered critical illness.
The following conditions are excluded for coverage under the PMCM service:
- Medical emergencies;
- Accidents
- Urgent or life-threatening situations, such as ICU (Intensive Care Unit) admission;
- Daily or common issues, such as colds, flu, fever, occasional rash etc.;
- Long term chronic diseases management such as chronic hepatitis, diabetes, high blood pressure, high cholesterol etc. (however, any complications of chronic diseases shall be covered); or
- Mental health conditions such as anorexia/bulimia, mental health-related sleeping disorder, anxiety, depression etc.
Refer to the Policy Wording here for the full exclusions under the Critical Illness plan.