Policy Exclusions
 | Any pre-existing illness will be excluded from scope of cover unless the insured has renewed the policy with us for a period of 4 consecutive years. |
| Non-allopathic treatment, pregnancy and childbirth related diseases, cosmetic, aesthetic and obesity related treatment. |
| Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury. |
| War, riots, strike, terrorism acts, nuclear weapon induced treatment. |
Other exclusions for first 2 years:
| Cataract |
| Benign Prostatic Hypertrophy |
| Congenital Internal Diseases |
| Fistula in Anus |
| Piles |
| Hysterectomy for Menorrhagisa or Fibromyoma |
| Hernia |
| Sinusitis and related disorders |
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