No benefit is payable for any expense which is directly or indirectly related to:
a) a charge, or a portion of a charge, which is eligible for reimbursement under any other part of this Policy, or through a government plan or legally mandated program;
b) war, insurrection, the hostile actions of any armed forces or participation in a riot or civil commotion;
c) the committing of or the attempt to commit an assault or criminal offence;
d) injuries sustained while operating a motor vehicle, either while under the influence of any intoxicant or is the insured person’s blood contained more than 80 milligrams of alcohol per 100 millilitres of blood at the time of injury;
e) charges for broken appointments, third party examinations, travel to and from appointments, or completion of claim forms;
f) services or supplies:
i) when there would have been no charge at all in the absence of insurance;
ii) which are received from a medical or dental department maintained by an employer, association or trade union; or
iii) which are performed or provided by the insured person, an Immediate Family Member or a person who lives with the insured person;
iv) which are not specified as a Covered Expense under this Benefit;
g) treatment rendered for a full mouth reconstruction, for a vertical dimension or for a correction of temporomandibular joint dysfunction;
h) cosmetic treatment, unless this is needed because of an accidental injury which occurred while the person was insured under this Policy;
i) implants, or any services rendered in conjunction with implants. However, where an implant is the choice of treatment and a denture or bridge would produce professionally adequate results for the condition, Manulife Financial will consider benefits as if the least expensive of a denture or bridge were used;
j) anti-snoring or sleep apnea devices;
k) treatment which is not generally recognized by the dental profession as an effective, appropriate and essential form of treatment for the dental condition;
l) the replacement of removable appliances which have been lost, mislaid or stolen;
m) laboratory fees which exceed Reasonable and Customary charges, as determined by Manulife Financial.