Policy Exclusions
All health policies have following set of temporary and permanent exclusions:
30 Days exclusion
Medical charges incurred, except those arising out of accidental injuries, within the first 30 days from the start date of the policy are not covered. This clause does not apply for subsequent renewal (without a break) of this policy with us.
2 Years exclusions
Expenses incurred on treatment of following diseases within the first two years from the start date of the policy are not covered:
 | Cataract |
| Benign Prostatic Hypertrophy |
| Myomectomy, Hysterectomy unless because of malignancy |
| Hernia, Hydrocele |
| Fistula in Anus, Piles |
| Arthritis, Gout, Rheumatism |
| Joint replacement, unless due to accident |
| Sinusitis and related disorders |
| Stone in the urinary and biliary systems |
| Dilatation & Curettage |
| Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids |
| Dialysis required for chronic renal failure |
| Surgery on tonsils and sinuses |
| Gastric and duodenal ulcers |
These above diseases are covered from third year, if the policy is renewed with us for two consecutive years (4 years, if these are pre-existing diseases at the time of inception of the policy).
Permanent
| Any internal congenital illness. |
| 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. |
For more details, kindly refer to the Policy Wording.
Family Floater Product Code: Misc 34E
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Personal Products 
