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What Individual Healthline Insurance does not cover

When you buy a medical insurance policy, it is important that you know all the product details to avoid discrepancies later.

  • Benefits will not be available for pre-existing conditions until 48 months of continuous coverage from first policy start date.
  • Expenses during the first 30 days of commencement of policy except in the case of accidents. Not applicable for renewed policies.
  • Any illness diagnosed or diagnosable within 30 days of the effective date of the policy period if this is the first Health policy taken by the proposer with the Insurer. If the Insured renews an Individual Health or family floater policy with the Insurer (Insurer's own renewal OR renewal of other General Insurance Company's policy without any break) and increases the Limit of Indemnity (other than as a result of the application of General Condition D7), then this exclusion shall apply in relation to the amount by which the Limit of Indemnity has been increased. This exclusion is not applicable in case of accidental hospitalisation.

Following diseases are excluded during the first and second year of inception of policy with the Insurer.

Illnesses excluded for
One year
Illnesses excluded for Two years
Cataract, Benign Prostratic Hypertropy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula, Piles, Sinusitis & related disorders, Gall stones. Spondilitis, Spondilosis, Knee / Hip joint replacement, Heart diseases, Internal congenital diseases, any type of Carcinoma / Sarcoma / Blood Cancer, Osteoarthritis of any joint, Calculus diseases of gall bladder and Urogenital, Gastric & Duodenal Ulcers, Internal Tumours, cysts, Nodules, Polyps including breast lumps (each of any kind unless malignant), Gout & Rheumatism, ENT disorders & Surgery, Surgery of genito urinary system, Surgery for prolapsed inter vertebral disk, Surgery of varicose veins & varicose ulcers, Surgery on tonsils.

If these diseases are pre-existing at the time of proposal, the same will be considered under the policy as per general exclusion number 1 above.

Please refer to the Policy Wordings for the complete coverages, exclusions and
terms and conditions of the policy

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