All diseases or injuries existing at the time of taking this policy
Any disease contracted during the first 30 days of commencement of the policy
Certain diseases such as hernia, piles, cataract (liability restricted up to 10% of the SI, maximum up to Rs.25,000), and sinusitis shall be covered after a waiting period of 2 years
Non-Allopathic medicine
Congenital diseases
All expenses arising from AIDS and related diseases
Cosmetic, aesthetic or related treatment
Use of intoxicating drugs, alcohol
Joint replacement surgery (other than accidents shall have a waiting period of four years)
* The exclusion details furnished above are not exhaustive.
Click here to apply for a Family Health Insurance.
Click here to apply for a Family Health Insurance.
