Under this plan, we will not cover any of the following events or conditions:

• any treatment, investigation, service or supplies which is not medically necessary
• any pre-existing condition or congenital defect that appears or is diagnosed before the person protected under the policy reaches the age of 17
• self-destruction, intentional self-inflicted injury or drug abuse
• war or warlike operations, and civil commotion, any violation or attempted violation of the law or resisting arrest, acts of terrorism for the person protected under the policy is a terrorist, the use of atomic, biological or chemical weapons as well as radioactive, biological or chemical contamination due to any act of terrorism (except where the person protected under the policy is injured during a Trip outside the permanent residence country or place of the person protected under the policy); or when the person protected under the policy travels to a country at war, or where there is warlike operation, mutiny, riot, civil commotion, martial law or state of siege, or a war zone as recognised by the United Nations
• pregnancy, miscarriage, child birth, abortion, or related complications, except for “pregnancy complications benefit” (see benefits schedule, item 26 for details), AIDS or any complications associated with HIV infection, except for the “HIV / AIDS treatment benefit” (see benefits schedule, item 22 for details), mental or nervous disorder, except for the “mental or nervous disorder benefit” (see benefits schedule, item 23 for details)
• consumption of any of the following traditional Chinese medicines, except for the “post-hospitalisation / day surgery ancillary benefit” and "stroke ancillary benefit" (see benefits schedule, items 18b and 25biii for details):
• consumption of any of the following traditional Chinese medicines, except for the “Post-hospitalisation / outpatient surgery ancillary benefit” and "Stroke ancillary benefit" (see benefits schedule in product brochure, items 17b and 24biii for details):
  • cordyceps 冬蟲夏草 / ganoderma 靈芝 / antler 鹿茸 / cubilose 燕窩 / donkey-hide gelatin 阿膠 / hippocampus 海馬 / ginseng 人參 / red ginseng 紅參 / american ginseng 花旗參 / radix ginseng silvestris 野山參 / antelope horn powder 羚羊角尖粉 / placenta hominis 紫河車 / agaricus blazei murill 姫松茸 / musk 麝香 / pearl powder 珍珠粉
    

The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.

1. Cover for specific items will be effective on the following dates (after the policy commences):
   
   
   1. Accidental injury: Immediately
   2. Illness: 30 days
   3. Investigation / treatment / surgery for tonsils, adenoids, hernias or a disease particular to female generative organs: 120 days
   4. Specialist Network service: 180 days
   5. Optional dental benefit: 6 months
   6. Pregnancy complications benefit: 10 months
   7. HIV / AIDS treatment: 5 years
       
2. We only cover the charges and / or expenses of the person protected under the policy on medically necessary and reasonable and customary basis.
   
   "Medically necessary” means that the medical services, diagnosis and / or treatments are:
   
   
   1. delivered according to standards of good medical practice;
   2. necessary; and
   3. cannot be safely delivered in a lower level of medical care.
   Experimental, screening, and preventive services or supplies are not considered medically necessary.
   
   “Reasonable and customary” means:
   
   
   1. the medical services, diagnosis and / or treatments are medically necessary and delivered according to standards of good medical practice;
   2. the costs of your medical services and the duration of your hospital stay are not more expensive or longer than the usual level of charges or duration for similar treatment in the locality of such services delivered; and
   3. does not include charges that would not have been made if no insurance existed.
   We may adjust any and all benefits payable in relation to any hospital / medical charges which is not a reasonable and customary charge.
   
   
3. The person protected under the policy will be covered for any room type in which he stays at hospital, but there will be a reduction in his benefit pay-out amount in case the person protected under the policy stays in a room type higher than the plan covered. In such a case, the benefit pay-out amount will be adjusted by multiplying the following factor:
   
   = Daily room charge of the standard private room in the hospital admitted by the person protected under the policy / Daily room charge of the room the person protected under the policy stays
   
   
4. If the person protected under the policy continuously stays for 365 days in one of following regions, the medical services and / or treatments provided to the person protected under the policy in such region will be permanently reduced to 60% of his benefit pay-out amount. Such reduction applies to all items in the benefits schedule except items 29 and 30:
   
   
   1. North America: United States and Canada
   2. Western Europe:  Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City
       
5. The Personal Medical Case Management, Specialist Network service and Credit Facility Service for Hospitalisation are not contractual services but the administrative arrangements offered in our absolute discretion. It is subject to termination at any time without prior notice.

• You have the right to cancel and obtain a refund of any premiums and any levy paid by giving written notice to us.
• Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong or the Customer Service Centre of AIA International Limited at Unit 1903, 19/F, AIA Tower, 251A-301 Avenida Comercial de Macau, Macau within 21 calendar days immediately following either the day of delivery of the policy or the Cooling-off Notice to you or your nominated representative , whichever is the earlier.