Common use of Circumcision Clause in Contracts

Circumcision. You are not covered for treatment related to circumcision, unless it is required for treatment of an acute medical condition covered by your plan. Convalescence, rehabilitation, nursing homes, and health spas/hydros You are not covered for: • hospital accommodation if the reason you are hospitalised is for the purpose of convalescence, rehabilitation or supervision • relaxation or rest treatments, or treatments in nature cure clinics, health spas and health hydros • private beds registered as nursing homes attached to such establishments or a hospital where the hospital has effectively become your home or permanent abode Other than treatment you are eligible for under the rehabilitation treatment benefit. Cosmetic surgery and treatment You are not covered for investigations or treatment related to: • cosmetic or aesthetic treatment to enhance your appearance, even when medically prescribed • the removal of fat or surplus tissue • breast enlargement or reduction • sclerotherapy for spider veins, treatment of superficial varicose veins • Botox, dermal fillers, or treatment of vitiligo or any skin pigmentation disorder Criminal activity You are not covered for treatment arising from or related to injuries sustained while you are engaged in a criminal, illegal or unlawful act. Dietitian You are not covered for treatment or advice by a dietitian or nutritionist. Please note however this may be covered following a diagnosis of cancer. Please see the dietitian benefit within the cancer treatment section of the table of benefits. Experimental drugs and treatments You are not covered for treatment which is experimental, or has not been proven to be effective. This includes, but is not limited to: • treatment that is provided as part of a clinical trial • treatment that is not consistent with internationally recognised guidelines. Internationally recognised guidelines means guidelines issued by the Dubai Health Authority, the United Arab Emirates Ministry of Health, the US Federal Drugs Administration, the European Medicines Agency or the UK National Institute for Health and Clinical Excellence (NICE) in the UK Eyesight You are not covered for: • treatment to correct your eyesight, such as laser treatment, refractive keratotomy and photorefractive keratotomy • spectacles, and other visual aids, treatment of strabismus (squint) or amblyopia (lazy eye) • sight tests - please note however these may be covered under the well-being benefits section of the table of benefits Please note that some or all of the above may be covered by the optical care benefit or, in a medical emergency, under the emergency optical or auditory treatment benefit. Foetal surgery You are not covered for surgery undertaken with the intention of ruling out any foetal anomaly. Genetic testing or genetic engineering You are not covered for genetic testing or genetic engineering, other than treatment you are eligible for under the cancer genome tests benefit within the cancer treatment benefit section of the table of benefits.

Circumcision. You are not covered for treatment related to circumcision, unless it is required for treatment of an acute medical condition covered by your plan. Convalescence, rehabilitation, nursing homes, and health spas/hydros You are not covered for: • hospital accommodation if the reason you are hospitalised is for the purpose of convalescence, rehabilitation or supervision • relaxation or rest treatments, or treatments in nature cure clinics, health spas and health hydros • private beds registered as nursing homes attached to such establishments or a hospital where the hospital has effectively become your home or permanent abode Other than treatment you are eligible for under the rehabilitation treatment benefit. Cosmetic surgery and treatment You are not covered for investigations ivestigations or treatment related to: • cosmetic or aesthetic treatment to enhance your appearance, even when medically prescribed • the removal of fat or surplus tissue • breast enlargement or reduction • sclerotherapy for spider veins, treatment of superficial varicose veins • Botox, dermal fillers, or treatment of vitiligo or any skin pigmentation disorder Criminal activity You are not covered for treatment arising from or related to injuries sustained while you are engaged in a criminal, illegal or unlawful act. Dietitian You are not covered for treatment or advice by a dietitian or nutritionist. Please note however this may be covered following a diagnosis of cancer. Please see the dietitian benefit within the cancer treatment section of the table of benefits. Experimental drugs and treatments You are not covered for treatment which is experimental, or has not been proven to be effective. This includes, but is not limited to: • treatment that is provided as part of a clinical trial • treatment that is not consistent with internationally recognised guidelines. Internationally recognised guidelines means guidelines issued by the Dubai Health Authority, the United Arab Emirates Ministry of Health, the US Federal Drugs Administration, the European Medicines Agency or the UK National Institute for Health and Clinical Excellence (NICE) in the UK Eyesight You are not covered for: • treatment to correct your eyesight, such as laser treatment, refractive keratotomy and photorefractive keratotomy • spectacles, and other visual aids, treatment of strabismus (squint) or amblyopia (lazy eye) • sight tests - please note however tests. Please note, however, that these may be covered under the well-being benefits section of the table of benefits benefits. Please note that some or all of the above may be covered by the optical care benefit or, in a medical emergency, emergency under the emergency optical or auditory treatment benefit. Foetal surgery You are not covered for surgery undertaken with the intention of ruling out any foetal anomaly. Genetic testing or genetic engineering You are not covered for genetic testing or genetic engineering, other than treatment you are eligible for under the cancer genome tests benefit within the cancer treatment benefit section of the table of benefits.

Circumcision. You are not covered for treatment related to circumcision, unless Unless it is required for treatment of an acute medical condition covered by your plan. Complementary medicine Consultations or treatment performed by a chiropractor, osteopath, homeopath acupuncturist, a therapist using acupressure or traditional Chinese medical practitioners. Convalescence, rehabilitation, nursing homes, homes and health spas/hydros You are not covered for: • hospital accommodation if the reason you are hospitalised is for the purpose of convalescence, rehabilitation or supervision • relaxation or rest treatments, or treatments in nature cure clinics, health spas and health hydros • private beds registered as nursing homes attached to such establishments or a hospital where the hospital has effectively become your home or permanent abode Other than treatment you are eligible for under the rehabilitation treatment benefit. • home nursing Cosmetic surgery and treatment You are not covered for investigations Investigations or treatment related to: • cosmetic or aesthetic treatment to enhance your appearance, even when medically prescribed • the removal of fat or surplus tissue • breast enlargement or reduction • sclerotherapy for spider veins, treatment of superficial varicose veins • BotoxBotox , dermal fillers, or treatment of vitiligo or any skin pigmentation disorder Criminal activity You are not covered for treatment Treatment arising from or related to injuries sustained while you are engaged in a criminal, illegal or unlawful act. Dietitian You are Dental treatment Dental, gum, oral or orthodontic consultations or treatment of any kind, unless covered under the ‘In-patient emergency restorative dental treatment’ benefit. Development, learning difficulties, speech disorders and behavioural problems Consultations, tests required to diagnose, or treatment of or related to: • developmental delays • learning and education difficulties, including, but not covered for treatment limited to, dyslexia and speech disorders • behavioural problems, including, but not limited to, Attention Deficit Disorder (ADD), Attention Deficit Hyperactivity Disorder (ADHD) and Tourette’s syndrome • physical development of any kind • teething Dietician Treatment or advice by a dietitian dietician or nutritionist. Please note however this may be covered following a diagnosis of cancer. Please see the dietitian benefit within the cancer treatment section of the table of benefits. Experimental drugs and treatments You are not covered for treatment Treatment which is experimental, or has not been proven to be effective. This includes, but is not limited to: • treatment that is provided as part of a clinical trial • treatment that is has not consistent with internationally recognised guidelines. Internationally recognised guidelines means guidelines issued been approved by the Dubai Health Authority, the United Arab Emirates Ministry of Health, the US Federal Drugs Administration, the European Medicines Agency or the UK National Institute for Health and Clinical Excellence (NICE) in • any drug or medicine that is prescribed for a purpose for which it has not been licensed for or approved by NICE • any combination of drugs or medicines prescribed for the UK purpose for which they have not been licensed for, or approved by NICE Eyesight You are not covered for: • treatment to correct your eyesight, such as laser treatment, refractive keratotomy and photorefractive keratotomy • spectacles, and other visual aids, treatment of strabismus (squint) or amblyopia (lazy eye) • sight tests - please Failure to follow medical advice • treatment arising from or related to your unreasonable failure to seek or follow medical advice and/or prescribed treatment, or your unreasonable delay in seeking or following such medical advice and/or prescribed treatment • complications arising from ignoring such advice Foetal surgery Surgery undertaken on a child while it is in its mother’s womb. Foot care Podiatry, chiropody, orthotics and gait scans. Genetic testing and/or genetic engineering Please note however these that genome testing may be covered under the well-being benefits section of the table of benefits Please note that some or all of the above may be covered by the optical care benefit or, in a medical emergency, under the emergency optical or auditory treatment benefit. Foetal surgery You are not covered for surgery undertaken with the intention of ruling out any foetal anomaly. Genetic testing or genetic engineering You are not covered for genetic testing or genetic engineering, other than treatment you are eligible for under the cancer ‘Cancer genome tests tests’ benefit within the cancer treatment benefit section of the table of benefits‘Cancer treatment’ section.