International Marine Medical Insurance

Exclusions and Limitations

The following is a summary of some of the items that are excluded from coverage* under IMMI.

  • Pre-existing conditions* „„ 
  • Treatment, services or supplies that are not administered or ordered by a licensed physician „„ 
  • Treatment, services, or supplies that are not medically necessary „„ 
  • Charges that exceed Usual, Reasonable and Customary charges „„ 
  • Surgeries or treatments that are investigational, experimental or for research purposes „„ 
  • Confinement primarily for custodial, educational or rehabilitative care „„ 
  • Weight modification or treatment for obesity „„ 
  • Treatment or surgery for cosmetic or aesthetic reasons, except for reconstructive surgery incidental to or following other covered surgery „„ 
  • Treatment for a person who was HIV+ prior to the person’s effective date „„ 
  • Artificial insemination, infertility, impotency, sterilization or reversal of sterilization „„ 
  • Hearing aids „„ 
  • TMJ dysfunction „„ 
  • Injury sustained from Hazardous Sports activities „„ 
  • Injury sustained while under the influence of alcohol or drugs „„ 
  • Self-inflicted injury or illness „„ 
  • Charges resulting from or during the commission of a crime or felony „„ 
  • Speech, vocational, occupational, biofeedback, recreational, sleep or music therapy „„ 
  • Services or supplies performed or provided by a relative „„ 
  • Corrective eye surgery „„ 
  • Certain care, treatment or supplies for the feet „„ 
  • Care and treatment for hair loss „„ 
  • Exercise programs „„ 
  • Congenital disorders „„ 
  • Genetic testing or treatment „„ 
  • War and Terrorism
  • Charges for treatment of an injury which occurs during work at any job for pay or profit, except for work performed for the insured vessel

*Pre-existing conditions are Any Injury, Illness, sickness, disease, medical or health condition (whether physical or mental and regardless of the cause of the condition) for which medical advice, diagnosis, care or Treatment was recommended or received during the three (3) month period ending on the Enrollment Date.

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.