What don’t we cover? (Individual Medical Plans)


  1. All expenses associated with Dental services and Optical services unless covered under the plan or purchased separately.
  2. All expenses associated with Chronic, Pre-existing, Congenital Illnesses and related conditions unless where covered under the plan.
  3. Compensation for pain and suffering; loss of income; funeral expenses or claims for damages; expenditure incurred by a member or dependants arising from any illegal or criminal act.
  4. Expenses arising from injuries sustained as a result of participation in and not limited to professional sport or hazardous pursuits such as motor racing, skydiving, parachute jumping and bungee jumping.
  5. Operations, treatments and/or procedures of own choice for purely cosmetic purposes, eating disorders, obesity and related illnesses, and any complications that may arise thereof.
  6. Expenses incurred from recuperative or convalescent holidays.
  7. Purchase of:
    • Applicators, toiletries, sunglasses and/or lenses for sunglasses and beauty preparations;
    • Patented foods and nutritional supplements including baby foods;
    • Contraceptive preparations, remedies and devices;
    • Tonics, slimming preparations, appetite suppressants and drugs as advertised to the public for the specific treatment of obesity;
    • Sunscreen and sun tanning lotions, emollients, soaps and shampoos (medicinal or otherwise);
    • Household and biochemical remedies which are not promoted by the medical profession;
    • Cosmetic products (medicinal or otherwise); anti-habit forming products; vitamins and multi-vitamins (unless prescribed for documented deficiency);
    • Remedies for body building purposes;
    • Aphrodisiacs;
    • Patent medicines and proprietary preparations; household bandages, cotton wool, dressings and similar aids;
    • Monitoring and assistive devices including Blood Pressure machines, glucometers and thermometers.
  8. Investigation and treatment for infertility and impotence.
  9. Vaccinations and/or immunizations and other preventive treatments with the exemption of KEPI and baby friendly vaccines.
  10. Services arising from an accident or event of which the member or dependants has received, or is likely to receive, compensation from any source whatsoever including NHIF and employer liability insurance.
  11. Any treatment relating to an accident/illness which occurred while the member was intoxicated or was under the influence of alcohol or drugs (unless prescribed and taken according to the instructions of a medical practitioner).
  12. Dialysis of any kind (except for acute renal failure).
  13. All expenses associated with sickle cell disease, connective tissue diseases, auto immune diseases, muscular dystrophies, Systemic lupus erythematosus, Alzheimer’s disease and autism.
  14. Treatment or services rendered in respect of dependence producing substances and their complications.
  15. Exercising and/or guidance programmes inclusive of antenatal exercises (unless where covered under plan), special diets and weight control.
  16. Kilometers charges and traveling expenses with the exception of ambulance services as per plan benefits.
  17. Gold or other precious metal inlays in dentures.
  18. Hormonal Replacement Therapy.
  19. Examinations or check-ups such as general health examinations not related to diagnosis of sickness or accidental bodily injury unless explicitly agreed in writing by Resolution Insurance.
  20. Accommodation in convalescent or old age homes or similar institutions catering for the aged.
  21. Costs associated with Vocational Guidance, Child Guidance, and Marriage Guidance.
  22. Cost of alternative therapy including chiropractic, acupuncture, herbal treatment and any complication arising as a result thereof.
  23. Laser treatment
  24. Illness, injury or disablement directly or indirectly caused by or contributed to by:
    • Active participation in Civil war, riots, rebellion, revolution, insurrection or political activity;
    • Any declared or undeclared war, invasion, act of foreign enemy, hostilities or war like operations;
    • Nuclear fusion, ionizing or non-ionizing radiation;
    • Operating, learning to operate or serving as a Member of a crew of any aircraft being used for sky-diving, racing, testing or exploration;
    • Participation in Naval, Military, Air Force, Paramilitary, Police or Police Reserve service or operations;
    • Attempted suicide or self-injury deemed deliberate by Resolution Insurance;
    • The willful non-compliance on the part of the member with Resolution Insurance’s appointed doctors prescribed treatment.
  25. Allergy tests.
  26. Costs incurred by a member at a Medical Service Provider not approved by Resolution Insurance.