Agent Guide | Hospital Indemnity Select
ManhattanLife
Limitations and Exclusions We will not pay benefits for claims resulting, whether directly or indirectly, from events or losses related to or resulting from any of the following: 1. Treatment, services or supplies that are subject to the Pre-Existing Conditions Limitation provision. 2. Care for Substance-Related Disorders. 3. War or any act of war (whether declared or undeclared), riot or insurrection, service in the armed forces or auxiliary units. 4. Dental treatment, dental care that is routine, bridges, crowns, caps, dentures, dental implants or other dental prostheses, dental braces or dental appliances, extraction of teeth, orthodontic treatment, odontogenic cysts, any other treatment or complication of teeth and gum tissue, except as otherwise covered for an Injury. 5. Cosmetic surgery, except that “cosmetic surgery” shall not include reconstructive surgery that is incidental to or follows surgery from trauma, infection, or other diseases of the involved part. 6. Services ordered, directed, or performed by a health care provider who is an Immediate Family Member, or supplies purchased from a medical supply provider who is an Immediate Family Member. 7. Treatment incurred outside of the United States, except for emergency treatment. 8. Suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane. 9. Experimental or Investigational Procedures or Treatments. 10. Sickness or Injury that is a result of a work-related condition that is eligible for benefits under Worker’s Compensation, Employers’ Liability, or similar laws. 11. Treatment, services, and supplies related to the following conditions, regardless of underlying causes: sex transformation, gender dysphoric disorder, gender reassignment, and treatment of sexual function, dysfunction or inadequacy, treatment to enhance, restore or improve sexual energy, performance, or desire. 12. Treatment, services, and supplies related to maternity, pregnancy (except Complications of Pregnancy), or abortion.
AGT-HIS 0125
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