Any disease contracted during the first 30 days commencement of policy
Certain diseases such as hernia, cataract, benign prostatic hypertrophy, shall be covered
All diseases or injuries exiting at the time of proposing
Certain diseases such as hernia, piles, cataract, benign prostatic hypertrophy, shall be covered after a waiting period of 1 year
Non-allopathic medicine
All expenses arising from AIDS and related disorders
Cosmetic aesthetic or related treatment
Use of intoxicating drugs, alcohol
Joint replacement surgery (other than due to accidents shall have a waiting period of four years)
Treatment of any mental illness or psychiatric illness
The full range of benefits available and the exclusions that apply under the policy is detailed in the policy document. A copy of the policy working is available on request, and will be sent to you upon the acceptance of yours personal. If you have any question, please contact us or your insurance advisor.
