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1.All diseases/injuries, which
are pre-existing when the cover incepts for the first time. This exclusion will be deleted after
three consecutive continuous claims free policy years in respect of all
diseases provided, there was no hospitalisation for pre-existing ailment
during such three years of insurance.
2.Any hospitalization
expenses incurred in the first 30 days from the commencement date of
Insurance cover except in case of Injury arising out of accident.
3.During the 1st year of operation
of insurance cover the expenses on treatment of diseases such as Cataract,
Benign, Prostatic Hypertrophy, and Hysterectomy
for Hemorrhagic, or Fibromyoma, Hernia, Hydrocele, congenital internal disease, Fistula in
anus, Piles, Sinusitis and related disorders are not payable. If these
diseases are pre existing it will be covered after three consecutive
continuous claims free policy years.
4.Circumcision, vaccination
or inoculation or change of life or cosmetic or aesthetic treatment of any
description, plastic surgery other than as may be necessitated due to an
accident or as apart of any illness.
5.Cost of spectacles and
contact lenses, hearing aids.
6.Dental treatment or surgery
of any kind unless requiring hospitalization.
7.Convalescence, general
debility, run-down condition or rest cure, congenital external disease or
defects or anomalies, Sterility, Infertility, Venereal disease, intentional
self injury and use of intoxication drugs/alcohol, AIDS.
8.Charges incurred at
Hospital or Nursing Home primarily for diagnosis purpose.
9.Expenses on vitamins and
tonics unless forming part of treatment for injury or diseases as certified
by the attending physician.
10. Treatment arising from or
traceable to pregnancy (including voluntary termination of pregnancy) and
child birth (including Caesarean Section) and allied maternity benefits.
11. Naturopathy Treatment.
12. The benefits including
continuity, enjoyed under the previous Policy/Policies, issued by any other
Insurance Company shall not be available under this Policy.
(N.B. Company's
Liability in respect of all claims admitted during the period of Insurance
shall not exceed the Floater Sum Insured per FAMILY as mentioned in the
schedule).
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