No benefit is payable for:

• Expenses for which benefits are payable under a Workers' Compensation Act or a similar statute;
• Expenses incurred due to intentionally self-inflicted injuries;
• Expenses incurred due to civil disorder or war, whether or not war was declared;
• Expenses for services and products, rendered or prescribed by a person who is ordinarily a resident in the patient's home or who is related to the patient by blood or marriage;
• Expenses for which benefits are payable under a government plan;
• Expenses for benefits which are legally prohibited by the government from coverage;
• Any services or supplies received by an insured person in their home country if their home country is not Canada;
• Out-of-province expenses for medical treatment or surgery;
• Expenses for drugs which, in the insurer's opinion, are experimental;
• Expenses for dietary supplements, vitamins and infant foods;
• Expenses for contraceptives (other than oral);
• Expenses for smoking cessation aids;
• Expenses for drugs if they are used for the treatment of infertility;
• Expenses for the services of a registered nursing assistant (R.N.A.), licensed practical nurse (L.P.N.) or homemaker;
• Expenses for items purchased solely for athletic use;
• Dental expenses, except those specifically provided under eligible expenses for treatment of accidental injuries to natural teeth;
• Utilization fees which are imposed by the Provincial Health Care Plan for the use of a service;
• Expenses for the regular treatment of an injury or disease which existed before the member's or dependant's departure from his/her province of residence;
• Immunizations and vaccines (Hepatitis B and Twinrix will be covered, except for Recombivax HB preservative free - DIN 02245976 & DIN 02245977); or
• Any other exclusion identified in the policy contract.