This Rider shall not cover any Expenses arise directly or indirectly from:

1. a Pre-Existing Condition, which existed prior to the Effective Date or Commencement Date of this Rider, whichever is later; or 
2. cosmetic surgery or Treatment, or Treatment of their complications, Treatment to remove hair or grow hair, change skin or eye color with the exception of reconstructive surgery after an accident or an Eligible Treatment; or
3. Treatment needed as a result of nuclear contamination, biological contamination or chemical contamination, whilst engaging in or taking part in any conflict, war, act of foreign enemy, invasion, civil war, riot, rebellion, insurrection, revolution, overthrow of a legally constituted government, explosions of war weapons, or any event similar to one of those listed. This includes any Treatment needed as a result of the Insured(s) exposing himself to needless peril, such as going to a place of civil unrest as an active onlooker or a spectator. For clarity, there is cover for Treatment required as a result of a terrorist act providing that terrorist act does not result in nuclear, biological or chemical contamination; or
4. Treatment resulting from engaging in military activity or professional sport activities; or
5. the use of a drug which has not been established as being effective or which is experimental. This means they must be licensed by the European Medicines Agency if the Insured(s) is receiving Treatment in Europe, or the US Food and Drug Administration (FDA) if the Insured(s) is receiving Treatment anywhere else in the world, and be used within the terms of that license; or
6. Treatment which has not been established as being effective or which is an Experimental Treatment. For established Treatment, this means procedures and practices that have undergone appropriate clinical trial and assessment, sufficiently evidenced in published medical journals for specific purposes to be considered proven safe and effective therapies; or
7. fertility Treatment, sterility and contraception Treatment, sex change, impotence; foetal surgery; or
8. all costs related to quarantine; or
9. Treatment provided by a non-medical or non-licensed medical professional; or
10. non-medical services such as telephone, TV rent, newspaper, moisturizer, creams, toiletries, dietary supplements and vitamins, toothpaste or soap; or
11. the Expenses that is not usual, Medical Necessary, Reasonable and Customary in the area where Treatment is received; or
12. Treatment against obesity such as, but not limited to, gastric banding or surgery, removal of surplus tissue and fat; or
13. Treatment that is customarily done as an Outpatient including drugs and dressings, consultations and investigations, including pre- and post-natal visits, psychiatric Treatment; or
14. preventative health screening, health check-up, vaccination, diagnostic procedures and investigations for the early detection of non-symptomatic disease; unless otherwise mentioned in the Benefits Schedule; or
15. dental and gingival (or equivalent) care; unless otherwise mentioned in the Benefits Schedule; or 
16. Vision correction; or
17. the Expenses incurred during the Waiting Period except for medical expenses arising following an Accident occurred within the Waiting Period and subject to other exclusions; or
18. external prosthetics and durable medical appliances and support appliances other than those Approved Medical Consumables that are part of the surgical procedure and integral to the Treatment; or
19. the cost of collecting donor organs or tissue or for any related administration costs (such as, but not limited to, the cost of a donor search); or
20. additional charges for obtaining medical reports or filling in claim forms or other administrative charges; or
21. Treatment for addictions (such as alcohol addiction or drug addiction) or substance abuse (such as alcohol abuse or solvent abuse), or Treatment of any Illness or Injury needed directly or indirectly as a result of any such abuse or addiction; or
22. Human Immunodeficiency Virus (HIV) and/or HIV related illnesses, including Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) and/or any mutant derivative or variations thereof, unless otherwise mentioned in the Benefits Schedule; or
23. Vaccination other than initial vaccination for new-borns covered under the Pregnancy Delivery Costs and New-born Care Benefit mentioned in the Benefits Schedule; or
24. Pregnancy delivery and new-born care unless otherwise mentioned in the Benefits Schedule; or
25. Accommodation for guardian or companion while the Insured is Hospilised unless otherwise mentioned in the Benefits Schedule
26. Home nursing unless otherwise mentioned in the Benefits Schedule; or
27. psychiatric Treatment unless otherwise mentioned in the Benefits Schedule; or
28. inpatient palliative care services in a Hospice unless otherwise mentioned in the Benefits Schedule; or
29. the Expenses that incurred while the Insured stays outside of the Kingdom of Cambodia for 90 (ninety) consecutive days or more within the Policy Year.

If the claimant wishes to make a claim, they must login to My AIA and provide evidence within 90 days from the occurrence of the covered event. For a death claim, please contact our Client Care at +855 86 999 242, our AIA Cambodia Telegram Bot, or seek support from the AIA Life Planners of the policy's owner.

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