我份保險有exclusion clause 點算?

我想買保險, 但做完檢身之後有以下exclusion clause 咁我仲應唔應該買呢?

Notwithstanding anything contained herein to the contrary, it is hereby understood and agreed that the coverage under MediPro 100 Rider
does not apply to and no benefit shall be paid for any treatment or surgery in relation to or arising out of Skin Disorder and / or any medical complications arising therefrom.


有無保險高手.可以幫下我呢?

小弟萬分感激..