Initial Waiting Period: Thirty (30) days for all illnesses (not applicable on renewal and for accidents)
Two Year Exclusion: Expenses incurred on treatment of following diseases within the first two (2) years from the commencement of the Policy will not be admissible: Congenital Internal Anomaly, Varicose veins and Varicose Ulcers, Rheumatism and Arthritis of any kind, Treatment of Diseases of ears/ tonsils /adenoids /paranasal sinuses/deviated nasal septum, Stones in the Urinary and Biliary systems, Gastric or Duodenal Ulcer, Any type of Benign Cyst/ Nodules/ Polpys/ Tumours/ Breast Lumps, Intervertebral Disc Prolapse, and Degenerative Disc / Vertebral Disorders, Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy unless because of malignancy, Dilatation and Curettage (D&C), Anal Fistula, Fissure and Piles, All types of Hernia, Hydrocele, Chronic Renal Failure, Joint replacement Surgery unless because of accident.
If these diseases are pre-existing at the time of proposal, the same will be considered as a pre-existing condition and the applicable waiting period shall apply.
Pre-Existing Disease (PED): Benefits will not be available for any pre-existing condition(s) as defined in the policy, until 48 consecutive months of continuous coverage have elapsed since inception of the first policy with us.
- War or any act of war, invasion, acts of foreign enemies, hostilities whether they be declared or not, civil war, revolution, insurrection, mutiny, martial law
- Any Insured Person committing or attempting to commit a breach of law with criminal intent or intentional self-injury or attempted suicide, whether sane or insane
- Vaccination or inoculation unless forming a part of post-animal bite treatment
- Non medical expenses during hospitalisation
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Note: The above is a partial listing of the policy exclusions. Please refer to the policy clauses for the full listing