Brokerfish

Experimental or unproven treatment or drug therapy

This exclusion on a medical insurance policy means that the policy will not cover any form of treatment or drug therapy that, in the opinion of the medical insurance company, its underwriters and actuaries, is experimental or unproven, based on generally accepted medical practice. This includes investigational or experimental drugs that are being studied to determine their safety and effectiveness for a specific disease or condition. These drugs and treatments are typically subject to scientific trials, often referred to as clinical trials, to verify if the drug is safe and effective, how it might be used in that disease, how much of the drug is needed, and to gather information about the potential benefits and risks of taking the drug. This exclusion applies to all forms of treatment or drug therapy that the medical insurance company and their underwriters and actuaries believe is experimental or unproven, based on generally accepted medical practice.