1800-200-5544 (Accessible from India only)

9144-3098 5300 (For Abroad Customers)

 

What Swasth Parivar does not cover

Main Exclusions (For complete list of exclusions, please read policy wordings available on our website)

Hospitalization

  • Benefits will not be available for pre-existing conditions until 48 months of continuous coverage from first policy start date
  • Expenses during first 30 days of commencement of policy except in the case of accidents
  • Cataract, benign prostratic hypertropy, hysterectomy for menorrhagia or fibromyoma, hernia, hydrocele, fistula in anus, piles, internal congenital disease, sinusitis and related disorders covered after a waiting period of one year of policy inception (applicable for Royale plan)
  • Cataract, benign prostratic hypertropy, hysterectomy for menorrhagia or fibromyoma, hernia, hydrocele, fistula in anus, piles, internal congenital disease, sinusitis and related disorders, spondilitis, spondilosis, knee / hip joint replacement, osteoarthritis of any joint, calculus diseases of gall bladder and urogenital, gastric and duodenal ulcers, internal tumours, cysts, nodules, polyps including breast lumps, gout and rheumatism, ENT disorders and surgery, surgery of genito urinary system, surgery for prolapsed inter vertebral disk, surgery of varicose veins and ulcers, surgery on tonsils covered after a waiting period of two years of policy inception (applicable for Pearl plan)

Personal Accident

  • Intentional self-inflicted injury, suicide or any attempt there at while sane or insane
  • Terrorism or terrorist act
  • While participating or training for any sport as a professional
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