EXCLUSIONS Like in every other insurance scheme, certain services are not covered. Glico HealthPlan does not

cover the following:

1. Any expenses incurred in connection with injury or illness directly caused or contributed to

by war or invasion or whilst engaged or taking part in Military, Naval or Air Force Services

operations

2. Cost incurred as a result of riot or civil commotion, revolution insurrection or Military or

usurped power, nuclear or chemical contamination.

3. Any expenses for which the member has been or can be reimbursed from any form of

insurance or any other source except in respect of an excess of expenditure beyond the

amount recovered from such other source or the treatment to which he is entitled without

charges.

4. Treatment not recommended or undertaken by registered medical practitioner, or

undertaken in nature cure clinic, or health hydros, or traditional health clinic or similar

establishment or hypnotist unless previously negotiated.

5. The fitting or provision of hearing aids, wigs, crowns, bridges, inlays, dentures, implants,

orthodontics, and orthopedic appliances unless previously negotiated.

6. Treatment directly or indirectly arising from intentional self injury

7. Injury or illness resulting from alcoholism or illegal drug use or the use of drugs not

medically prescribed.

8. Home nursing, Rehabilitation centers and Spas, charges for any stay in hospital or

registered nursing home which is arranged wholly or partly for domestic reasons.

9. Any expenses arising out of a job related injury as far as they are payable under any form of

insurance except in respect of any excess of claim beyond the amount so reimbursed.

10. Treatment for any illness or injury that originated before the insured was accepted for this

insurance unless such illness or any related preceding condition was fully disclosed on the

application form and accepted by the Organisation without any restrictions.

11. Claims in respect of invalid tonics and high energy drinks

12. Fertility tests, treatment of infertility e.g. prescribing of fertility drugs like Clomid

and Artificial insemination. Medications for sexual and erectile dysfunction e.g

Viagra, Cialis, Levitra

13. Claims arising from cost of assisted reproduction 14. Contraception including sterilization 15. Termination of Pregnancy 16. Dietary Supplements 17. Tooth brushes and pastes except for the treatment of Sensitive Teeth 18. Medicated soaps, shampoos and lotions except for the treatment of skin diseases. 19. Toilet preparations and cosmetics of all kinds 20. HOWEVER, Vitamins and Vitamin/Mineral preparations are allowed for the following

conditions: Pregnancy Reconvalescence Stunted growth in children In conditions caused by Avitaminosis, the following Vitamins may be prescribed:

Vit A, B- Group, Vit C, Vit D, Vit E, Vit K and Multivitamin.

21. Any contingency arising whilst any member insured under this policy is outside the

geographical limits of Ghana unless previously negotiated.

22. Periodic or routine medical examinations and screening unless previously negotiated.

23. Any prophylactic treatment, injections, inoculations or vaccinations unless previously

negotiated

24. Costs attributable to any illness or injury that is excluded from the benefits by the terms of

the Policy.

25. Cosmetic procedures, Surgeries, Aesthetic treatments including but not limited to revision

of scars

26. Treatment available as free public healthcare services, Immunisations, HIV infection/AIDS,

Treatment of Tuberculosis, Onchocerciasis, Buruli Ulcer, unless previously negotiated.

27. Treatment not recommended or undertaken by a GLICO HealthPlan Provider unless such

treatment is obtained in true medical emergency or upon referral of a GLICO HealthPlan

provider.

28. Any expenses incurred on feeding other than when on admission are not covered.