The following are excluded from all our Plans except otherwise agreed – Treatment for benefits not covered by the plan. Intensive care treatment involving life support. Incubator care after 48hrs of life. Phototherapy care after 48hrs of life. Treatment by a provider not in our HMO Network except in emergency cases. Cosmetic/plastic surgery. Complex major surgery e.g. heart surgeries, renal transplant, etc. Congenital & neurological abnormalities. Illnesses arising out of addictive conditions/disorders or drug/substance abuse. Provision of hearing aids and artificial limbs. Severe Drug reactions e.g. Systemic Lupus Erythematosis, Dyscoid Lupus Erythematosis, etc. Chronic psychiatric illness. Weight Modifications treatment.