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

2. Vaccination and Inoculation of any kind unless it is post-animal bite

3. General debility and Run down conditions

4. Circumcision, Cosmetic surgery, Plastic surgery.

5. HIV/AIDS

6. Pregnancy, ailments related thereto and child birth

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

8. Naturopathy

9. Experimental or unproven treatment

10. All external equipments

For detailed exclusions, please see the policy in our website.

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