While our private insurance offers very comprehensive coverage, there are some important exclusions to be aware of.
Out-of-network care (doctors or clinics outside our network are not covered)
Outpatient medication (only covered during hospital stays)
Pre-existing conditions (may be excluded)
Not covered treatments include:
Cosmetic or aesthetic procedures
Fertility treatments (e.g. IVF)
Refractive eye surgery (laser vision)
Most advanced dental treatments (e.g. implants, orthodontics)
Experimental or non-approved treatments
Other exclusions:
Alternative medicine (e.g. homeopathy, acupuncture)
Injuries from high-risk activities or substance abuse
Some advanced therapies (e.g. gene or regenerative treatments)
Note: Some excluded services may still be available at discounted rates.