Exclusions

The following charges, treatments, care, services, supplies and/or conditions are excluded:

• Charges not incurred during the certificate period                 
• Substance abuse
• Treatment or supplies not ordered by a physician or not medically necessary
• Self inflicted injury or illness                                                           
• Weight modification
• Transplant benefits for more than one covered transplant  during any 12 month period
• Cosmetic surgery, unless reconstructive directly related to covered injury / illness
• Custodial, educational or rehabilitative care, except Extended Care or Home Nursing Care upon
   release from covered treatment in an acute care hospital
• Foot care, unless related to a covered accidental injury
• Services or treatment payable by another insurance or government. (EHO supplements the
  coverage paid by Province  and Group insurance.)
•  Speech, acupuncture, occupational or sleep therapy
•  Devices or procedures to correct sight or hearing                  
• Drugs or treatment for sexual dysfunction
• Pre-existing conditions are not covered unless they are disclosed on the application and not
  limited by a rider, in which case they are covered the same as any other illness or injury.
  (Non-disclosure of any pre-existing condition may render this insurance null and void.)
• Surgeries  / treatment/services / supplies which deviate from accepted standards of current
  medical practice
• Acts of terrorism, war, biological, chemical or nuclear agents, insurrection, riot, or any variation thereof
• Charges which exceed usual, reasonable and customary
• Individuals HIV positive at effective date
• Artificial or mechanical devices designed to replace  human organs
• Drugs or treatment to promote or prevent conception
• Injuries sustained while taking part in a sport or athletic activity undertaken for thrill seeking, which
  exposes the insured to abnormal or extraordinary risk. (An optional Sports rider is available.)
• Injuries resulting from participation in  Amateur Athletics, Contact Sports, or professional sports  or
  athletic activities. Non-contact and non-organized  /non-sanctioned amateur sports or athletic activities
  engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes are not
  excluded unless they are excluded as abnormal or extraordinary risk. 
  (An optional Sports rider is available.)
• Dental treatment, except emergency treatment following a covered accident.
  (An optional Dental Rider is available.)
• Charges for use of Emergency Room for treatment of Illness unless the patient is directly admitted to
  the Hospital as Inpatient for further treatment of that illness.
  (This exclusion does not apply to Accidents.)

This is a summary of the exclusions contained in the Certificate of Insurance. See the Certificate of Insurance for a complete list of exclusions.