Page 304 - Misc Ebook IC 78

The Insurance Times

or aesthetic surgery, plastic surgery other than
necessitated due to any accident or illness, is
excluded.

(vi) Cost of spectacles, contact lenses and hearing aids,
etc are termed normal maintenance expenses and
are excluded from the policy.

(vii)Dental treatment or surgery of any kind unless
requiring hospitalization, is excluded.

(viii)Convalescence (not a disease), general debility, run
down condition or rest cure, congenital (disease from
birth, hence pre-existing) external disease, or
defects or anomalies, sterility, venereal diseases
(excluded on grounds of public policy), intentional
self injury and use of intoxicating drugs/alcohols
(excluded on grounds of public policy), are all
excluded.

(ix) AIDS (since it does not have any known treatment).

(x) Charges incurred at Hospital or Nursing Home
primarily for diagnostic, X-Ray or laboratory
examinations studies inconsistent with the
treatment. This is excluded to discourage the

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