MANULIFE

Manulife will not pay any expenses or benefits related directly or indirectly to: 1. Any illness or disease suffered during the waiting period. 2. For Plan A:
a) any medical condition, diagnosed or undiagnosed, that existed or for which you sought or received medical advice, consultation, investigation, or for which treatment was required or recommended by a physician, within 180 days prior to the effective date. b) any heart condition if, in the 180 days prior to the effective date, you required any form of nitroglycerin to relieve angina pain; and/or c) any lung condition if, in the 180 days prior to your effective date, you required treatment with oxygen or prednisone for a lung condition.
3. For Plan B – a) a pre-existing condition that is not stable in the 180 days prior to the effective date of insurance; b) any heart condition if, in the 180 days prior to the effective date, you required any form of nitroglycerin to relieve angina pain; and/or c) any lung condition if, in the 180 days prior to your effective date, you required treatment with oxygen or prednisone for a lung condition.
4. Expenses for a pre-existing condition for which you were hospitalized more than once, or for at least 2 consecutive days, in the 12-month period before your insurance effective date. 5. Covered expenses in excess of the reasonable and customary charges that normally apply when the medical emergency occurs. 6. Covered expenses that exceed the maximum insured amount available according to the plan you have purchased. 7. Any expenses or benefits if the information provided in the insurance application is not true and accurate or if you have not met the eligibility requirements under this coverage. 8. Covered expenses in excess of 80% of what Manulife would normally pay under this insurance, if you do not contact the Assistance Center within 24 hours of hospitalization, unless your medical condition makes it medically impossible for you to you call (in that case, the 20% coinsurance does not apply).
9. Any non-emergency treatment. 10 Continued treatment of a medical condition when you already received emergency treatment for that condition during your trip, if Manulife’s medical advisors determine that the medical emergency is over. 11. Magnetic Resonance Imaging (MRI), Computerized Axial Tomography (CAT) scans, ultrasounds, sonograms or biopsies, cardiac catheterization, angioplasty and/or cardiovascular surgery, including associated diagnostic tests or charges, unless the Assistance Center pre-approve it. 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. 12. A medical condition:
• when you learned, before you left home, or before the effective date of coverage, that you would need or seek treatment for that medical condition during your trip; and/or • for what was reasonably expected before you left home, or before the effective date of coverage, that you would need treatment during your trip; and/or • for which further investigation or treatment was planned before you left home; and/or • produced symptoms that would have caused a normally prudent person to seek treatment in the 3 months before leaving home; and/or • that has caused your doctor to advise you not to travel. 13. Any non-emergency and emergency medical services for any injury that has occurred or illness that began or was treated during any travel break you have taken or after the number of days allowed for your side trip outside of Canada. 14. An emergency resulting from mountain climbing that requires the use of specialized equipment, including carabiners, crampons, pegs, anchors, bolts, and lead rope or top rope anchoring equipment to ascend or descend a mountain; rock climbing; skydiving, parachuting, hang gliding or the use of any other aerial sports device; enter a motorized speed contest; or your professional participation in a sport, snorkeling or diving when that sport, snorkeling or diving, is your main gainful occupation.
15. Self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health condition. 16. Committing or attempting to commit a criminal act. 17. Failure to follow recommended or prescribed therapy or treatment. 18. Any loss, injury, or death related to intoxication, misuse, abuse, overdose, or chemical dependency on medications, drugs, alcohol, or other intoxicants. 19. Any loss resulting from your mental disorder or less emotional. Minor mental or emotional disturbance 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 your treatment includes only minor tranquilizers or minor anti-anxiety medication (anxiolytics) or no prescription medication. 20. a) your routine prenatal care; b) your pregnancy or childbirth or complications thereof when they occur in the 9 weeks before or after the expected date of delivery; c) your child born during your trip.
21. For insured children under 2 years of age, any medical condition related to a birth defect. 22. Any benefit 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. 23. Any emergency that occurs or recurs after Manulife’s medical advisers recommend that you return home after your emergency treatment, and you choose not to. 24. Any death or injury sustained while flying an aircraft, learning to fly an aircraft, or acting as a member of the crew of an aircraft.
25. For consecutive policies without a break in coverage and policy extensions: any medical condition that first appeared, was diagnosed or for which you received medical treatment, after the scheduled departure date and before the effective date of the coverage. subsequent policy or extension of insurance. 26. Any follow-up visits outside of Canada when the emergency occurred in Canada. 27. Any medical condition or injury that you contract or sustain in a specific country, region or city when a Government of Canada Travel Advisory, issued prior to your departure to that country, region or city, advises Canadians to avoid all travel or those that are not essential. to that specific country, region, or city. In this exclusion, the “medical condition” is limited to, related to, or due to the reason for the Travel Advisory. 28. Any act of war or terrorism.