Major Exclusions:Any critical illness for which care, treatment or advice was recommended or which was first manifested or contracted before. Any critical illness diagnosed within the first 90 days. Death within 30 days following the diagnosis of the critical illness. Presence of HIV/AIDS infection. Treatment arising from or traceable to pregnancy or childbirth, including caesarean section and birth defects. War, invasion, act of foreign enemy, terrorism, hostilities (whether war be declared or not), civil war, rebellion, revolution.
Disclaimer:The above is a broad indication. The actual available are as described in the policy wordings of the insurance company and will be subject to the policy terms, conditions and exclusions.