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| EXCLUSIONS | Payment of claims will not cover healthcare services rendered for the following: - Alcohol, drug abuse or substance abuse.
- Services of cosmetic nature like breast reduction or augmentation, face-lifts and obesity treatment (slimming preparations).
- Kidney Dialysis, Cardiac Surgery and Cancers.
- Cost/expenses incurred in the treatment of medical pre -conditions which were not disclosed during the initial registration and joining by the member.
- Infertility treatment in males and females as well as Family planning (Contraception and Sterilization).
- Accounts/expenses for wheelchairs, crutches, walking sticks, exercise appliances and other appliances.
- Injuries sustained during willful participation in a war or terrorist activity.
- HIV/AIDS/Retroviral therapy drugs
- Any treatment where the cost is borne by government or by a body or scheme set aside for that purpose, e.g. guinea worm, onchocerchiasis, burulli ulcer etc.
LMH in its absolute discretion may make special grants to members in respect of claims, which would otherwise not be admissible. |
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