Common exclusions are listed below:
Injury or disease directly or indirectly caused by or arising from or attributable to War,
Invasion, Act of Foreign Enemy, Warlike operation (whether war be declared or not) and by Nuclear Weapons/materials
Cost of Spectacles, Contact Lenses, Hearing Aids, cost of buying any external device Circumcision
Cosmetic or aesthetic treatment of any description
Plastic surgery other than as may be necessitated due to an accident or as a part of any illness
Convalescence, general debility ‘Run-down' condition or test cure, congenital external disease or defects or anomalies, Sterility(infertility), venereal disease, intentional self-injury and use of intoxicating drugs/alcohol
Expense on buying vitamins & tonics unless forming part of treatment & certified by treating Doctor
Charges incurred at Hospital primarily for diagnostic, X-Ray or laboratory examinations or any other diagnostic studies not consistent with or incidental to the diagnosis or treatment of the disease, illness or injury for which the claim is payable will not be settled. Only related treatment charges and diagnostic charges are payable
Diagnostic charges & treatment cost incurred for cases where no active line of treatment was followed stands excluded from coverage
Voluntary medical termination of pregnancy during the first 12 weeks from the date of conception
Acquired Immune Deficiency Syndrome (AIDS)
Treatment for genetic disorders/ stem-cell treatment
Please refer to policy documents and general exclusions documents at time of issuance.
