Exclusions under Health Insurance polices

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.