EXCLUSIONS

Like in every other insurance scheme, certain services are not covered. Glico HealthPlan does not
cover the following:
1. Any expenses incurred in connection with injury or illness directly caused or contributed to
by war or invasion or whilst engaged or taking part in Military, Naval or Air Force Services
operations
2. Cost incurred as a result of riot or civil commotion, revolution insurrection or Military or
usurped power, nuclear or chemical contamination.
3. Any expenses for which the member has been or can be reimbursed from any form of
insurance or any other source except in respect of an excess of expenditure beyond the
amount recovered from such other source or the treatment to which he is entitled without
charges.
4. Treatment not recommended or undertaken by registered medical practitioner, or
undertaken in nature cure clinic, or health hydros, or traditional health clinic or similar
establishment or hypnotist unless previously negotiated.
5. The fitting or provision of hearing aids, wigs, crowns, bridges, inlays, dentures, implants,
orthodontics, and orthopedic appliances unless previously negotiated.
6. Treatment directly or indirectly arising from intentional self injury
7. Injury or illness resulting from alcoholism or illegal drug use or the use of drugs not
medically prescribed.
8. Home nursing, Rehabilitation centers and Spas, charges for any stay in hospital or
registered nursing home which is arranged wholly or partly for domestic reasons.
9.

Any expenses arising out of a job related injury as far as they are payable under any form of
insurance except in respect of any excess of claim beyond the amount so reimbursed.

10. Treatment for any illness or injury that originated before the insured was accepted for this
insurance unless such illness or any related preceding condition was fully disclosed on the
application form and accepted by the Organisation without any restrictions.
11. Claims in respect of invalid tonics and high energy drinks

12. Fertility tests, treatment of infertility e.g. prescribing of fertility drugs like Clomid
and Artificial insemination. Medications for sexual and erectile dysfunction e.g
Viagra, Cialis, Levitra
13. Claims arising from cost of assisted reproduction
14. Contraception including sterilization
15. Termination of Pregnancy
16. Dietary Supplements
17. Tooth brushes and pastes except for the treatment of Sensitive Teeth
18. Medicated soaps, shampoos and lotions except for the treatment of skin diseases.
19. Toilet preparations and cosmetics of all kinds
20. HOWEVER, Vitamins and Vitamin/Mineral preparations are allowed for the following
conditions:
Pregnancy
Reconvalescence
Stunted growth in children
In conditions caused by Avitaminosis, the following Vitamins may be prescribed:
Vit A, B- Group, Vit C, Vit D, Vit E, Vit K and Multivitamin.
21. Any contingency arising whilst any member insured under this policy is outside the
geographical limits of Ghana unless previously negotiated.
22. Periodic or routine medical examinations and screening unless previously negotiated.
23. Any prophylactic treatment, injections, inoculations or vaccinations

unless previously

negotiated
24. Costs attributable to any illness or injury that is excluded from the benefits by the terms of
the Policy.
25. Cosmetic procedures, Surgeries, Aesthetic treatments including but not limited to revision
of scars
26. Treatment available as free public healthcare services, Immunisations, HIV infection/AIDS,
Treatment of Tuberculosis, Onchocerciasis, Buruli Ulcer, unless previously negotiated.
27. Treatment not recommended or undertaken by a GLICO HealthPlan Provider unless such
treatment is obtained in true medical emergency or upon referral of a GLICO HealthPlan
provider.
28. Any expenses incurred on feeding other than when on admission are not covered.