Exclusions
What's not covered.
A clear, honest overview of the conditions and treatments not covered under our health insurance plans.
General Exclusions
Pre-existing conditions not declared at enrollment
Cosmetic and plastic surgery for aesthetic purposes
Self-inflicted injuries and attempted suicide
Injuries sustained during criminal activities
Treatment for drug or alcohol abuse
Experimental or unproven treatments
Treatment outside Ghana without prior authorisation
Fertility treatment including IVF
Weight management and bariatric surgery
Hearing aids and cochlear implants
Dental Exclusions
Orthodontic treatment and braces
Dental implants
Cosmetic dental procedures
Dental prosthesis (dentures)
Optical Exclusions
Contact lenses
Laser eye surgery (LASIK)
Designer frames exceeding covered limits
Other Exclusions
War injuries and acts of terrorism
Nuclear contamination or radiation exposure
Professional sports injuries
Treatment obtainable under NHIS
Non-prescribed medications and supplements
Alternative medicine not at accredited facilities
Questions?
Not sure if something is covered?
Our advisors are here to give you clear, honest answers before you commit to a plan. No pressure — just clarity.