No claim is payable under Health insurance polices for the
following.
1)
All diseases that was pre-existing at the time
of taking out the health policy
2)
Any disease contracted by the insured within 30
days of taking out the policy. This will not apply if in the opinion of the
medical practitioners, the insured could not have known of pre-existing disease
at the time of taking the policy. This condition will also not apply if the
insured has been covered by any medical insurance policy without a break for
the previous 12 months.
3)
During first 2 years of operation of the policy
the expenses on treatment of diseases such as Cataract, hysterectomy, Hernia,
Fistula, Hydrocele, Sinusities, Piles, etc.
4)
Circumcision, unless necessary for the treatment
of a disease, is excluded in the policy
5)
Vaccination or inoculation of any kind
6)
Cosmetic surgery or aesthetic treatment other
than that which is necessitated due to accident or part of any illness
7)
Cost of spectacles, contact lenses, hearing aids
8)
Dental treatment or dental surgery of any kind
unless requiring hospitializtion
9)
Convalescence , general debility, run down condition
or rest-cure, congenital external disease or defects, sterility, veneral
disease, self injury or use of intoxicating drugs.
10)
Various conditions commonly referred to as AIDS
11)
Expenses on Vitamins and Tonics unless forming
part of a treatment
12)
Treatment arising from childbirth
13)
Voluntary medical termination of pregnancy
14)
Naturopathy treatment.
