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Here is a List of Excluded Treatments & Medical Expenses
Generally, the following expenses are outside the scope of MediShield and cannot be claimed:
1) Entire stay in hospital if the member was admitted to the hospital before he was insured by MediShield
2) Treatment of any of the following categories of pre-existing illnesses or any other serious illnesses for which the patient had received medical treatment during the 12 months before the start of MediShield cover:
Blood disorder
Cancer
Cerebrovascular accidents (stroke)
Chronic liver cirrhosis
Chronic obstructive lung disease
Chronic renal disease, including renal failure
Coronary artery disease
Degenerative disease
Ischaemic heart disease
Rheumatic heart disease
Systemic lupus erythematosus
3) Ambulance fees
4) Congenital anomalies, hereditary conditions and disorders e.g. hole-in-heart, hare-lip
5) Cosmetic Surgery
6) Maternity charges (including Caesarean operations) or abortions
7) Dental work (except due to accidental injuries
8) Infertility, sub-fertility, assisted conception or any contraceptive operation
9) Mental illness and personality disorders
10) Optional items which are outside the scope of treatment
11) Overseas medical treatment
12) Private nursing charges
13) Purchase of kidney dialysis machines, iron- lung and other special appliances
14) Treatment for which the insured person received reimbursement from Workmen’s
15) Compensation and other forms of insurance coverage
16) Treatment of any illness, disability, injury or any condition arising from or due to the Acquired Immune Deficiency Syndrome (AIDS) virus
17) Treatment for drug addiction or alcoholism
18) Treatment of injuries arising directly or indirectly from nuclear fallout, war and related risk
19) Treatment of injuries arising from direct participation in civil commotion, riot or strike
20) Treatment of self-inflicted injuries or injuries resulting from attempted suicide
21) Vaccination
