Manulife will not pay any expenses or benefits related directly or indirectly to: 1. a) A pre-existing condition that was not stable in the three (3) months prior to its effective date.
b) Any pre-existing condition of a covered dependent or spouse that was not stable in the three (3) months prior to the date the dependent or spouse became covered under this policy. 2. For covered dependents under two (2) years of age, any medical condition related to a birth defect, whether genetic, acquired, or congenital. 3. Chemotherapy treatment unless approved by the Assistance Center. 4. Any expenses if you are on a one way trip or a domestic student, without a valid government health insurance plan.
5. Covered expenses that exceed 80% of the cost that Manulife would normally have to pay under this insurance, if you or someone on your behalf does not contact the Assistance Center at the time of the emergency, unless your medical condition requires it. make impossible. call (in which case the 20% coinsurance does not apply). 6. Injury or death sustained while enlisted in the regular force of the armed forces of any country, or participating in any maneuver or training exercise of the armed forces of any country. 7. Elective, non-emergency, or experimental medical treatment, including any treatment administered to maintain stability of a chronic medical condition, including replenishment of medications, tests, or examinations that are part of a normal regimen, or treatments that are not needed for immediate relief. of pain and suffering, except those identified as Wellness Benefits in this policy.
8. Magnetic Resonance Imaging (MRI), Computerized Axial Tomography (CAT) Scans, Ultrasounds, Ultrasounds, or Biopsies, Cardiac Catheterization, Angioplasty, and/or Cardiovascular Surgery, including associated diagnostic tests or charges, unless directed by the Assistance Center. approve in advance. before being done. All surgery must be authorized by the Assistance Center before being performed, except in extreme circumstances where the surgery is performed on an urgent basis immediately after hospital admission.
9. Continue treatment after the Assistance Center has asked you to return home. 10. Drugs commonly available without a prescription, fertility drugs or tests, contraceptives, pregnancy tests, drugs for the treatment of erectile dysfunction, vaccines or injections, vitamin preparations or drugs received preventively, acne drugs, baldness, nicotine resin products, dietary supplements or slimming products and/or substitution of existing prescriptions, whether due to loss, renewal or inadequate supply. 11. Any non-emergency medical and emergency medical services for any injury that occurred or illness that began in your home country during a travel benefit. 12. For inbound travel, any medical expenses incurred outside of Canada when more than fifteen (15) consecutive days or more than 49% of your coverage period are spent outside of Canada. 13. If you are a recipient, covered expenses billed by a physician in excess of 100% of the fee schedule established by the medical association for non-Canadian residents in the province or territory in which you received medical treatment.
14. Pregnancy, voluntary termination of pregnancy, childbirth or its complications. Newborns can be fully covered at 30 days of age if we complete an application, submit it and approve it in writing and you have purchased and paid the premium for family coverage. 15. Dental, cosmetic or plastic surgery, unless such surgery is an emergency and is necessary as a result of an injury sustained while this policy is in force. 16. All dental crowns or root canals, except as specified in the Accidental Dental Benefit. 17. Any medical condition, including withdrawal symptoms, arising from your chronic use of alcohol, drugs, or other intoxicants, or in any way related to their chronic use, either before or during your trip.
• Any medical condition arising during your trip from, or in any way related to, the abuse of alcohol, drugs or other intoxicants. 18. Self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health condition. 19. Any minor mental or emotional disorder. A minor mental or emotional disorder means having anxiety or panic attacks, or being in an emotional state or in a stressful situation. A minor mental or emotional disorder is one in which its treatment includes only minor tranquilizers or minor medication. r Anti-anxiety (anti-anxiety) drugs or any prescription medication. 20. Any eating disorder or weight problem. 21. Any loss as a result of asymptomatic or symptomatic HIV infection, acquired immunodeficiency syndrome (AIDS), AIDS-related conditions (ARC), or the presence of HIV, including associated diagnostic tests or changes.
22. An emergency that occurs while participating in: • any sports activity for which you are paid, including snorkeling or scuba diving. • any extreme sport or activity that involves a high level of risk, such as but not limited to: – mountaineering that requires the use of specialized equipment, including carabiners, crampons, pegs, anchors, bolts and rope lead or top – anchor equipment with ropes to ascend or descend a mountain;
– rock climbing; – skydiving; – skydiving; – hang gliding or use any other aerostatic sports device; – participate in a contest of motorized speed; 23. Treatment or services that contravene any government, hospital or health care insurance legislation in Canada if you are a student intern or national.
24. Pilot or learn to pilot, or act as a member of the crew of any type of aircraft; or traveling as a passenger on any non-commercial flight; operate any form of motorized transportation on land or water without a valid operator’s license. 25. Any service or supply provided by you or a member of your immediate family. 26. A medical condition: • when you knew, or could reasonably be expected, before leaving your home, or before your effective date of coverage, that you would need or seek treatment for that medical condition; and/or • when the purpose of your trip was to seek medical treatment for that medical condition; and/or • which has caused your doctor to advise you not to travel; me
• related to a non-emergency or elective pre-existing medical condition, except as specifically listed as a benefit in this policy; and/or • when you failed or failed to follow a doctor’s instructions or were negligent. 27. Any non-emergency expense, except those identified as Wellness Benefits in this policy; and any benefits that must be authorized or arranged in advance by the Assistance Center when you have not given authorization or made no arrangements for that benefit. 28. Costs in excess of Reasonable and Customary Charges. 29. Medical examinations and tests required for immigration purposes or by a third party; and/or consultation with a doctor by phone or email. 30. Loss or damage to repair, remove, replace or purchase hearing aids, eyeglasses, sunglasses, contact lenses or prosthetics or devices, or artificial teeth and prescriptions resulting therefrom. 31. Any claim resulting from or related to your commission or attempted commission of a crime or illegal act. 32. Renal dialysis or organ transplant of any nature. 33. Rehabilitation and convalescence facilities and services; or vacation for recovery purposes. 34. Any interest, finance, administrative or late payment charges. 35. If you are Canadian, any act of terrorism or any medical condition you suffer from or contract when an official travel advisory issued by the Canadian government states, “Avoid all travel” with respect to the country, region or city of your destination, before leaving Canada. To view travel advisories, visit the Government of Canada’s travel site. This exclusion does not apply to claims for an emergency or medical condition not related to the travel advisory. 36. If you are Canadian, any act of terrorism directly or indirectly caused by, resulting from, arising out of, or related to biological, chemical, nuclear, or radioactive means. 37. For incoming policyholders, an act of terrorism. 38. An act of war. 39. For policy extensions only, any medical condition that first appeared, whether or not diagnosed, or for which treatment was or was not received prior to the effective date of the extension of coverage under this policy. 40. If you are returning, any follow-up visits outside of Canada when the emergency occurred in Canada. 41. Any claim for illness suffered during the waiting period.