Exclusions

The Company shall not be liable to make any payment under this policy in respect of:

1. Pre-existing diseases/condition: All diseases/injuries, which are pre-existing when the cover incepts for the first time. However, they will be covered on completion of 18 claim free months of insurance.

Dialysis, Chemotherapy & Radiotherapy for diseases, including Critical lllness existing prior to the commencement of this policy is excluded even after two-claim free years.
Pre-existing conditions of Diabetes mellitus and Hypertension are covered from inception of the policy but only on payment of additional premium. However, any ailment attributable to Diabetes mellitus or Hypertension, which has already manifested at the time of inception of insurance, will not be covered even on payment of additional premium for covering Diabetes mellitus and/or Hypertension.

2. 30-days Exclusion: No claim will be payable in respect of any disease contracted by the Insured person during first 30 days from the commencement date of the policy. This exclusion will not apply if the policy is renewed without any break. The exclusion does not apply to treatment for accidental injuries.

3. Writing period for specified diseases/ailments/conditions: No claim will be payable in respect of the following Diseases/Conditions contracted during the ‘waiting periods’ specified below, starting from the first day of inception of the cover for the first time.

Sr. No	Name of Disease/Ailment/Surgery with waiting period	Duration of the waiting period
1	Any skin disorder	18 months
2	All internal & external benign tumors, cysts, polyps of any kind, including benign breast lumps	18 months
3	Benign Ear, Nose, Throat disorders	18 months
4	Benign Prostate Hypertrophy	18 months
5	Cataract & age related eye ailments	18 months
6	Diabetes mellitus	18 months
7	Gastric/Duodenal Ulcer	18 months
8	Gout & Rheumatism	18 months
9	Hernia of all types	18 months
10	Hydrocele	18 months
11	Hypertension	18 months
12	Hysterectomy for Menorrhagia or Fibromyoma, Myomectomy and Prolapse of uterus	18 months
13	Non Infective Arthritis	18 months
14	Piles, Fissure and Fistula in Anus	18 months
15	Pilonidal Sinus, Sinusitis and related disorders	18 months
16	Prolapse of Inter-Vertebral Disc unless arising from accident	18 months
17	Stone in Gall Bladder & Bile duct	18 months
18	Stones in Urinary Systems	18 months
19	Unknown Congenital internal disease/defects	18 months
20	Varicose Veins and Varicose Ulcers	18 months
21	Age related Osteoarthritis & Osteoporosis	48 months
22	Joint Replacements due to Degenerative Condition	48 months

These diseases/conditions are covered on expiry of the duration shown against each, provided the policy is continuously renewed with the Company without any break in the policy.

4. Permanent Exclusions:

Any medical expenses incurred for or arising out of:

War, Invasion, Act of foreign enemy, War like operations, Nuclear weapons, Ionizing Radiation, contamination by Radioactive material nuclear fuel or nuclear waste.
Circumcision, cosmetic or aesthetic treatment, plastic surgery unless required to treat any injury or illness.
Vaccination & Inoculation.
Cost of braces, equipment or external prosthetic devices, non-durable implants, eyeglasses, Cost of spectacles and contact lenses, hearing aids including cochlear implants and durable medical equipments.

All types of Dental treatments except arising out of an accident.
Convalescence, general debility. ‘Run-down’ condition or rest cure. Obesity treatment and its complications, congenital external disease/defects or anomalies, treatment relating to all psychiatric and psychosomatic disorders, Dementia, Alzheimer’s disease, infertility, sterility, use of intoxicating drugs/alcohol, use of tobacco leading to cancer.
Bodily injury or sickness due to willful or deliberate exposure to danger (except in an attempt to save a human life), intentional self-inflicted injury, attempted suicide and arising out of non-adherence to any medical advice.
Treatment of any bodily injury sustained whilst or as a result of active participation in hazardous sports of any kind.

Treatment of any bodily injury sustained whilst or as a result of participating in any criminal act.
Sexually transmitted diseases, any condition directly or indirectly caused due to or associated with Human T-Cell Lymphotropic Virus Type III (HTLB-III) or Lymphotropathy Associated Virus (LAV) or the Mutants Derivative or Variation Deficiency Syndrome or any syndrome or condition of a similar kind commonly referred to as AIDS.
Diagnostics, X-Ray or Laboratory examination not consistent with or incidental to the diagnosis of positive existence and treatment of any ailment, sickness or injury, for which confinement is required at a Hospital/Nursing Home.
Vitamins and tonics unless forming part of treatment for injury or disease as certified by the attending physician.
Treatment arising from or traceable to pregnancy, childbirth, miscarriage, abortion or complications of any of these including caesarean section, except abdominal operation for extra uterine pregnancy (Ectopic Pregnancy), which is proved by submission of Ultra Sonography (USG) Report and Certification by Gynaecologist that it is life threatening one if left untreated.
Any Naturopathy Treatment.
Instruments used in treatment of Sleep Apnea Syndrome (C.P.A.P.) and Continuous Peritoneal Ambulatory Dialysis (C.P.A.D.) and Oxygen Concentrator for Bronchial Asthmatic condition.
Genetic disorders and stem cell implantation/Surgery.
Any Domiciliary Hospitalization/ Treatment.

Treatment taken outside India.
Experimental and unproven treatments (not recognized by Indian Medical Council).
Change of treatment from one system of medicine to another unless recommended by the Consultant/Hospital under whom the treatment is taken.
All non-medical expenses including convenience items for personal comfort such as telephone, television, Ayah, Private Nursing/Barber or beauty services, diet charges, baby food, cosmetics, tissue paper, diapers, sanitary pads, toiletry items and similar incidental expenses.
Service charges or any other charges levied by hospital, except registration/admission charges

Note: Please refer to the policy documents for the complete Insurance Policy subject to the insurance Company.