Article 2: GL Declines and Exclusions

Q: Why was my GL declined?
A: Common reasons include:

• Specific illness or pre-existing conditions
• Non-disclosure of relevant information
• Cases requiring further investigation
• Policy expired
• Policy renewal pending
  Call-back can be offered for more details.

Exclusions List (not exhaustive):

• Policy lapsed/terminated
• Outpatient, pre/post-hospitalisation treatment
• Admission to non-panel hospital/specialist
• Insufficient information at admission
• Waiting period conditions (except accidental injuries)
• Cosmetic, dental, eye, or congenital conditions
• Pregnancy, childbirth, family planning
• Routine/preventive care, weight-related treatments
• Suicide/self-harm, war, illegal activities
• Organ donation/transplant for donor
• Psychiatric/mental conditions
• Non-medical expenses (TV, phone, admission kit, etc.)
  See full list for more.

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