NIE 4.0 (Updated Version)- List of Exclusions

Pre-existing illness or injury, except as described in the section
“Emergency treatment of a pre-existing illness or injury”.

Chronic conditions

Any treatment that is not medically necessary.

Charges exceeding usual, reasonable and customary.

Any illness or injury resulting from an epidemic, pandemic, public
health emergency, natural disaster, or other disease outbreak when
a health warning has been in effect before your start date or if you
did not leave the area mentioned in the health warning within 10 days
following the date the warning is issued. Except what is described
in the section called “COVID-19”.

Any costs or medical conditions related to pregnancy or childbirth,
except what is described in the section called “Complications
of pregnancy”.

Mental health disorders.

Any birth defects, congenital illnesses, or hereditary conditions.

Impotency or sexual dysfunction.

Sexually transmitted diseases and conditions (for example: syphilis,
gonorrhea, chlamydia, trichomoniasis, genital herpes, and HPV).

HIV, AIDS and ARC, and all diseases caused by and/or related to HIV.

Cancer or neoplasm.

Substance abuse or substance addiction, or any illness or injury that
happened as a result of substance abuse or substance addiction.

Something that happened because of you being under the influence
of alcohol or drugs (unless the drug was prescribed by a licensed physician, and used in accordance with the physician’s instructions).

Acne, moles, skin tags, diseases of sebaceous glands, seborrhea,
sebaceous cyst, hypertrophic and atrophic conditions of skin.

Sleep apnea or other sleep disorders.

Obesity and weight modification (example: gastric bypass).

Negligent or self-inflicted injury.

Suicide or attempted suicide.

Injury that happened as a result of being drunk on alcohol or intoxicated by other drugs, except drugs that were prescribed by a physician.

Injury that happened as a result of drunk driving of any type of motorized vehicle (for example car, moped, motorbike, watercraft, aircraft,
electric scooter). The threshold of your allowed blood alcohol content
is 0.08, or it is determined by local laws where you are—whichever
is lower.

Any kind of routine medical examination for preventative or informative purposes only (for example medical certificates and attestations,
vaccinations, annual check-ups and examinations as to the suitability
of employment or travel).

Injury sustained from participation in a riot, insurrection or violent disorder.

The voluntary use of any harmful chemical compound or poison unless
used according to the directions of a physician.

Dental treatment, except what is described in sections “Pain relieving
emergency dental treatment” and “Emergency dental treatment and
surgery following an accident”.

Organ or tissue transplants or related services.

Nebulizers, oxygen tanks, diabetic supplies, other supplies for use
or application at home (except medically necessary basic wheelchair
or hospital bed, which are covered).

While confined primarily to receive custodial care, educational or
rehabilitative care, or any medical treatment in any establishment for
the care of the aged, except rehabilitative care received upon direct
transfer from a hospital.

Promotion or prevention of conception (example: artificial insemination, treatment for infertility, sterilization or reversal of sterilization, costs
related to birth control).

Eye surgery when the primary purpose is to correct nearsightedness,
farsightedness or astigmatism (example: corrective refractive surgery).

Corrective, orthoptic or orthopedic devices (example: eyeglasses,
hearing aids, orthopedic shoes, orthopedic prescription devices
to be attached to or placed in shoes, treatment of weak, strained, flat,
unstable or unbalanced feet, metatarsalgia or bunions, and treatment
of corns, calluses or toenails), or related tests and examinations, except
as described in the section called ““Emergency vision test and replacement glasses or contact lenses”.

Hair loss or growth (example: hair transplants or drugs that promise
hair growth).

Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and
kinesiotherapy.

Psychometric, intelligence, competency, behavioral and educational
testing.

Any procedure for prophylactic, cosmetic, or aesthetic reasons, except
for reconstructive surgery when such surgery is directly related to and
follows surgery for a covered illness or injury.

Any modifications of the body intended to improve the psychological,
mental or emotional wellbeing (for example: gender affirming surgery
or sex reassignment surgery, voluntary bodily alteration).

Exercise programs (even if prescribed by a physician).

Anything that happened as a result of exposure to non-medical nuclear
radiation or radioactive material.

Cryopreservation, implantation or re-implantation of living cells.

Genetic or predictive testing.

Investigational, experimental or for research purposes, meaning procedures, services or supplies which deviates from generally accepted
standards of current medical practice.

Any treatment not administered by or under the supervision of a physician, and products that can be purchased without a doctor’s prescription.

Any service provided by a family member or any person who ordinarily
resides with you.

Any service provided at no cost to you.

Failure to make or keep doctor’s appointments, follow the treatment
prescribed, and follow your doctor’s orders and advice diligently.

Payable under any government system.

Payable under worker’s compensation or employer’s liability laws,
or by any coverage provided or required by law.

Charges resulting from or occurring during the commission of any
violation of law, excluding minor traffic violations.

Charges resulting from or occurring during an accident involving your
failure to be properly licensed, or your failure to use proper safety gear
(including helmets or seatbelts).

War, terrorism, military action or while on duty as a member of a police
or military force unit.

Travel or accommodations, except as explicitly described in the covered sections.

Anything that happened in the US, except as described in the section
called “Medical coverage during visits to your home country”
or “[Add-on] Include coverage in the USA”.

Anything that happened while you did not have an active insurance
period.

Claims made more than 60 days after the end date of your active
insurance period.

Any charges incurred when the purpose of your travel is to obtain
medical or cosmetic treatment.

Complications or consequences of treatment, illness or injury
or incident which was not covered by this insurance.

Search and rescue services including air transfer services via helicopter or any other aircraft.

Anything that is not described in the covered sections of this
Description of Cover.