No benefit shall be paid under this Contract for expenses or losses resulting from or incurred in connection with or in consequence of the following:

Core Exclusions:

• 15 days waiting period after registration will be applied for all types of claims
• 90 days waiting period will be applied for maternity claims
• 24 hours hospital waiting period after admission will be applied for Hospitalization (in-patient service) coverage
• Maximum 3-day coverage at a stretch will be considered as a single confinement for Hospitalization (in-patient service)
• Only MBBS or above qualified doctor's prescriptions will be valid for Out-patient service claims

General Exclusions:

• All pre-existing disease related to all types of coverage of the policy
• Death caused by self-inflicted injury or the commission of or attempted commission of an assault or any unlawful act, or being engaged in any illegal activity or felony
• By participating in any types of illegal activities
• Suicide while sane or insane
• The condition of Acquired Immune Deficiency Syndrome (AIDS), or any AIDS related illness or HIV virus
• Any congenital infirmity
• Any minor surgery, daycare treatment
• Circumcision, prophylactic and immunization procedures
• Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction
• Obesity i.e., treatment for, or required as a result of obesity, any cosmetic or plastic treatment/surgery, unless required as reconstructive surgery as a consequence of an injury due to accidents, burns
• Any procedures which is experimental or not generally accepted by the medical profession viz. acupuncture, herbal/ayurvedic/homeopathy treatment and any Alternative Medical Care (AMC) etc.
• Treatment or advice by a person or professional not registered under BMDC (Bangladesh Medical & Dental Council)
• Rest, convalescence or rejuvenation cures, thermal baths, physiotherapy or confinement for the purposes of slimming or beautification
• Fracture and trauma due to physical assault, injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug
• Assembly of artificial limbs & necessary treatment of the said artificial limbs (unless required due to accident)
• Routine examination of eye and ear, fitting or replacement of eyeglasses (including Intra-ocular lens or contact lenses) or hearing aids, health screening including routine physical examinations (health check-ups), malignant cancer, radiotherapy, chemotherapy, dialysis and any dental treatment unless require hospitalization for re-constructive surgery as a consequence of an accident
• Non-surgical care for tuberculosis, hepatitis B & C and any other vaccinations, all expenses incurred in connection with the donor for any treatment, AIDS and HIV diseases, lupus and other connective tissue and autoimmune disorders and costs of prostheses, corrective devices
• Sleep disorders i.e., treatment for insomnia, sleep apnea, snoring, or any other sleep related breathing problem
• IgE test, vitamin tests
• Participating in competitions, races, contest, matches, on land, air or sea; pot-holing, paragliding, bungee jumping, parachuting and/or scuba diving
• Treatment of family planning purposes including termination of pregnancy, sterility or treatment related to assisted reproduction, cost of contraception, cost of female hygiene product like sanitary pads, etc.
• Mental, emotional or psychiatric disorders, alcoholism or any other narcotic addiction
• Injury arising due to accident while participating in any unlawful activities (e.g., driving a car without a license), attempted suicide, violation or attempted violation of the law, injuries willfully or intentionally self-inflicted or due to insanity or under the influence of a drug