Group Clinical Benefit Endorsement .........This Endorsement is attached to and forms a part of the Group Hospital & Surgical Supplementary Contract in order to provide a supplement benefit to compensate an insured member for his medical expense incurred in OPD of a clinic or hospital as a result of his sickness or injury. Coverage .........This benefit covers 24 hours, everywhere all over the world and both in and out of occupation when Insured Member is treated into hospital or clinic as an outpatient as a result of sickness or accidental injury. Benefits AIA shall reimburse for the actual expenses in the Schedule of this Endorsement up to the maximum benefit shown there. The reimbursement is limited to one visit per day and to maximum number of visits as specified in the aforementioned Schedule. The medical expenses to be reimbursed hereof shall cover the charges of consultation, injection, drugs, x-ray & laboratory examination. Exclusions No benefit shall be payable for the following services, examinations, products or conditions. Drugs purchased without doctor's prescription. Eye refractions, fitting of glasses, contact lenses or hearing aids, gingivitis, oral care. Disorders of a functional nature including without limitation constipation, dyspepsia, indigestion, anorexia. Claims for which all original receipts and/or bills are not submitted for processing within three(3) months of incurring such expenses.