Common use of Pregnancy and Childbirth Medical Conditions Clause in Contracts

Pregnancy and Childbirth Medical Conditions. In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy, or an eligible medical condition which arises during childbirth. As an illustration the insurer would consider treatment of the following: • Ectopic pregnancy (where the foetus is growing outside the womb) • Hydatidiform mole (abnormal cell growth in the womb) • Retained placenta (afterbirth retained in the womb) • Placenta praevia • Eclampsia (a coma or seizure during pregnancy and following pre-eclampsia) • Diabetes (If the insured person has exclusions because of their past medical history which relate to diabetes, then the insured person will not be covered for any treatment for diabetes during pregnancy) • Post partum haemorrhage (heavy bleeding in the hours and days immediately after childbirth) • Miscarriage requiring immediate surgical treatment • Failure to progress in labour Full Refund Full Refund Full Refund Full Refund Full refund Not covered Subject to limits Optional

Pregnancy and Childbirth Medical Conditions. In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy, or an eligible medical condition which arises during childbirth. As an illustration the insurer would consider treatment of the following: • Ectopic pregnancy (where the foetus is growing outside the womb) • Hydatidiform mole (abnormal cell growth in the womb) • Retained placenta (afterbirth retained in the womb) • Placenta praevia • Eclampsia (a coma or seizure during pregnancy and following pre-eclampsia) • Diabetes (If the insured person has exclusions because of their the insured person’s past medical history which relate to diabetes, then the insured person will not be covered for any treatment for diabetes during pregnancy) • Post partum haemorrhage (heavy bleeding in the hours and days immediately after childbirth) • Miscarriage requiring immediate surgical treatment • Failure to progress in labour Full Refund Full Refund Full Refund Full Refund Full refund Not covered Subject to limits OptionalOptional 32 | Benefit Essential Advance Excel Apex 32 |

Pregnancy and Childbirth Medical Conditions. In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy, or an eligible medical condition which arises during childbirth. As an illustration the insurer would consider treatment of the following: • Ectopic pregnancy (where the foetus is growing outside the womb) • Hydatidiform mole (abnormal cell growth in the womb) • Retained placenta (afterbirth retained in the womb) • Placenta praevia • Eclampsia (a coma or seizure during pregnancy and following pre-eclampsia) • Diabetes (If the insured person has exclusions because of their past medical history which relate to diabetes, then the insured person will not be covered for any treatment for diabetes during pregnancy) • Post partum haemorrhage (heavy bleeding in the hours and days immediately after childbirth) • Miscarriage requiring immediate surgical treatment • Failure to progress in labour Full Refund Full Refund Full Refund Full Refund Full refund Not covered Subject to limits OptionalOptional Benefit Essential Advance Excel Apex

Pregnancy and Childbirth Medical Conditions. In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy, or an eligible medical condition which arises during childbirth. As an illustration the insurer would consider treatment of the following: • Ectopic pregnancy (where the foetus is growing outside the womb) • Hydatidiform mole (abnormal cell growth in the womb) • Retained placenta (afterbirth retained in the womb) • Placenta praevia • Eclampsia (a coma or seizure during pregnancy and following pre-eclampsia) • Diabetes (If the insured person has exclusions because of their the insured person’s past medical history which relate to diabetes, then the insured person will not be covered for any treatment for diabetes during pregnancy) • Post partum haemorrhage (heavy bleeding in the hours and days immediately after childbirth) • Miscarriage requiring immediate surgical treatment • Failure to progress in labour Full Refund Full Refund Full Refund Full Refund Full refund Not covered Subject to limits OptionalOptional 32 | 32 | Benefit Essential Advance Excel Apex