Features
Coverage
Eligibility
Exclusions
Permanent Exclusion
Ancillary Hospital Charges
Hazardous Activities
Artificial life maintenance
Circumcision
AYUSH Treatments
Conflict & Disaster
External Congenital Anomaly
Convalescence & Rehabilitation
Cosmetic or plastic Surgery
Dental/oral treatment
Eyesight & Optical Services
Experimental or Unproven Treatment
Hormone Replacement Therapy
Hospitalization not justified
Inconsistent, Irrelevant or Incidental Diagnostic procedures
Non-Medical Expenses
Obesity and Weight Control Programs
Reproductive medicine & other Maternity Expenses
Robotic Assisted Surgery, Specialized Light Amplification by Stimulated Emission of Radiation (LASER) & Cyber Knife Treatments
Sexually transmitted Infections & diseases
Sleep disorders
Substance related and Addictive Disorders
Unlawful Activity
Treatment received outside India
Unrecognized Physician or Hospital
Generally Excluded Expenses
Permanent Exclusions for Personal Accident Cover
Suicide or self inflicted Injury, whether the Insured Person is medically sane or insane.
Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.
Any change of profession after inception of the Policy or any Renewal which results in the enhancement of Our risk, if not accepted and endorsed by Us on the Policy Schedule.
Committing an assault, a criminal offence or any breach of law with criminal intent.
Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medical Practitioner other than the Policyholder or an Insured Person.
Participation in aviation/marine activities (including crew) other than as a passenger in an aircraft/water craft that is authorized by the relevant regulations to carry such passengers between established airports or ports.
Engaging in or taking part in professional/adventure sports or any hazardous pursuits, speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving, polo, snow and ice sports, hunting.
Body or mental infirmity or any Illness except where such condition arises directly as a result of an Accident during the Policy Period. However this exclusion is not applicable to claims made under Permanent Partial Disability.
Permanent Exclusions for Critical Illness Cover
AYUSH Treatment
Conflict & Disaster
External Congenital Anomaly
Cosmetic and Reconstructive Surgery
Experimental/ Investigational or Unproven Treatment
Hazardous Activities
Reproductive medicine & other Maternity Expenses
Sexually transmitted Infections & Diseases
Substance related and Addictive Disorders
Traffic Offences & Unlawful Activity
Unrecognized Physician or Hospital
