For cancer, the plan doesn’t cover:
- carcinoma in situ;
- stage 1A malignant melanoma (0.75 mm thick or less, not ulcerated, without level IV or V invasion);
- non-melanoma skin cancer that hasn’t spread to distant organs;
- stage A (T1a and T1b) prostate cancer;
- any tumour in the presence of HIV.
And no benefit is paid for cancer if you had it, or symptoms or tests that led to the diagnosis, before your coverage started or within its first 90 days. Other conditions have their own limits, and some general exclusions apply, such as intentional self-inflicted injury. The plan page lists them.