Standard Exclusions as per Mediclaim Polices

The company shall not be liable to make any payment under this policy in respect of any expenses whatsoever incurred by any Insured Person in connection with or in respect of:

4.1 All diseases / injuries which are pre-existing when the covers incepts for the first time. 4.2 Any disease other than those stated in point 3, contracted by Insured Person during the first 30 days from the commencement date of the policy.This exclusion shall not however, apply if in the opinion of Panel of Medical Practioners constituted by Company for the purpose, the Insured Person could not have known of the existence of the disease or any symptoms or complaints thereof at the time of making the proposal fro insurance to the Company.This condition 4.2 shall not however apply in case of the insured person having been covered under this scheme or group insurance scheme with any of the Indian Insurance Companies for a continuous period of preceding 12 months without any break. 4.3 During the first year of the operation of Insurance cover, the expenses on treatment of diseases such as cataract, Benign Prostate Hypertrophy, Hyserterectomy for Monorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal Diseases, Fistula in Anus, piles, Sinusitis and related disorders are not payable.If these diseases (other than congenital internal disease) are pre-existing at the time of proposal, they will not be covered even during subsequent period of renewal too.If insured is aware of the existence of congenital internal disease before inception of policy, it will be treated as pre-existing. 4.4 Injury or Disease directly or indirectly caused by or arising from or attributable to war, invasion, Act of foreign enemy, warlike operations (whether war be declared or not). 4.5 Circumcission unless necessary for treatment of a disease not excluded hereunder or as may be necessitated due to an accident.Vaccination or inoculation or change of life or 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. 4.6 Cost of spectacles and contact lenses, Hearing Aids. 4.7 Dental treatment or surgery of any kind unless requiring Hospitalization. 4.8 Convalescence or general debility, ‘Run- Down’ Condition or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self injury or use of intoxicating drug or alcohol. 4.9 All expenses arising out of any condition directly or indirectly caused to or associated with Human T-Coil Lymphotropic virus Typo III (HTLV III) or Lymphadenopathy Associated Virus (LAV) or the mutants, Derivatives or Variations, Deficiency Syndrome or any Syndrome or condition of a similar kind commonly referred to as AIDS. 4.10 Charges incurred at the Hospital or the Nursing Home primarily for Diagnostic, X-Ray or Laboratory Examinations or other Diagnostics studies not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any ailment, sickness or injury, for which confinement is required at a Hospital / Nursing Home. 4.11 Expenses on vitamins and tonics unless forming part of treatment for injury or disease as certified by the attending Physician. 4.11.1 Injury or Disease directly or indirectly caused by or contributed to the nuclear weapons / materials. 4.12 Treatment arising from or traceable to pregnancy, childbirth including caesarean section.Voluntary medical termination of pregnancy during the first 12 weeks. 4.13 Naturopathy treatment.