The list of exclusions includes standard insurance exclusions such as sickness or injury caused from nuclear weapons or material, injury from an accident while over the legal alcohol limit, active participation in war, police duty and civil commotion. Then there are a number of specific exclusions such as cosmetic surgery, treatment for obesity, cancer treatment or planned procedures received outside of South Africa and any event not covered by your medical scheme. It is, however, worth studying the full list of exclusions that appears in the Liberty Gap Cover policy document.
