Limitations and Exclusions to Prescription Drug Benefits

No benefits are paid for:

• Over-the-counter products, or medicines available without a prescription
• Fertility drugs
• Anti-smoking remedies (e.g. Nicorette gum, patches, or similar prescribed remedies)
• Injectable vitamins that are non-prescription
• Patented medicines and G.P. products
• First-aid and surgical supplies
• Atomizers, vaporizers
• Salt and sugar substitutes
• Infant formula, dietary foods and aids
• Contact lens care products
• Diagnostic aids and laboratory tests
• Contraceptives, other than oral and the IUD Mirena
• Lozenges, mouthwash, toothpastes and cosmetics
• Oral vitamins
• Items deemed cosmetic, even if a prescription is legally required
• Male baldness treatments
• Drugs which in whole or in part a government health plan prohibits from being paid, except to the extent that it permits excess reimbursement
• Drugs which the Insured Person received without charge
• Drugs which are experimental in nature
• Drugs, hormones, products and injections for the treatment of obesity
• Erectile dysfunction drugs
• Accutane or other acne preparations containing the same medicinal ingredient as Accutane
• Anabolic steroids
• Sclerosing agents

Limitations and Exclusions to Extended Health Benefits

No benefit is payable for:

• Expenses as a result of any injury or sickness caused by declared or undeclared war or any act thereof
• Expenses of any kind which would not normally be charged to you if the policy were not in effect
• Expenses incurred from any injury or sickness sustained as a result of employment when you are covered or eligible to receive benefits under the applicable Workplace Safety and Insurance Board's legislation or similar law
• Expenses as a result of suicide or any attempt thereat or intentionally self-inflicted injury, while sane or insane
• Cosmetic medical or surgical care, other than due to an accidental bodily injury sustained while you are insured under this benefit
• Medical treatment which is experimental or investigational in nature
• Periodic health examinations, broken appointments, physician's costs for traveling or providing telephone advice, third party examinations, completion of forms or medical reports, travel for health purposes
• Services, treatment or supplies not included in this benefit
• Expenses incurred from any injury or sickness as the result of active full-time service in the armed forces of any country
• Expenses incurred by you if you are not covered under any Federal or Provincial Hospital or Medical Plan or its equivalent
• Expenses which are not medically required
• Services or supplies associated with exercise, weight loss, physical fitness or sports, environmental or atmospheric control in the home or workplace
• Expenses which are prohibited by law from being covered by a private insurance plan
• Services, treatments or supplies which the Insured Person received without charge
• Services or supplies received outside of Canada
• Any other exclusion identified in the policy contract