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  The Company shall not be liable to make any payment under the policy in connection with or in respect of following expenses till the expiry of waiting period mentioned below:  
1. First Fifteen Days Waiting Period  
Expenses related to the treatment of Covid within 15 days from the policy commencement date shall be excluded.    
The company shall not be liable to make any payment under the policy, in respect of any expenses incurred in connection with or in respect of:  
2. Investigation & Evaluation (Code- Excl04)  
Expenses related to any admission primarily for diagnostics and evaluation purposes. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment  
3. Rest Cure, rehabilitation and respite care (Code- Excl05)   Expenses  related to any admission primarily for enforced bed rest and not for receiving treatment. 

This also includes: 
Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons.  
Any services for people who are terminally ill to address physical, social, emotional and spiritual needs. 
 4.Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or Home care treatment. 
5. Unproven Treatments: 
Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness. However, treatment authorized by the government for the treatment of COVID shall be covered. 
6. Any claim in relation to Covid where it has been diagnosed prior to Policy Start Date. 
7.Any expenses incurred on Day Care treatment and OPD treatment 
8. Diagnosis /Treatment outside the geographical limits of India 
9.Testing done at a Diagnostic centre which is not authorized by the Government shall not be recognized under this Policy 
10.All covers under this Policy shall cease if the Insured Person travels to any country placed under travel restriction by the Government of India. 


Health Policy:

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