All Pre-existing diseases upto 48 months of continuous coverage with us.

Any disease contracted during the first 30 days of inception of policy.

Waiting period of 2/4 years for certain specified illness/treatment.

Vaccination and Inoculation other than for animal bite.

General debility and Run down conditions

Circumcision, Cosmetic surgery, Plastic surgery.

HIV/AIDS

Psychiatric and psychosomatic disorders

Injury arising out of drug/alcohol abuse.

Pregnancy, ailments related thereto and child birth

War, act of foreign enemy, ionizing radiation and nuclear weapon.

Naturopathy

Experimental or unproven treatment

All external equipments

Dental treatments

For detailed exclusions, please see policy in our website.