Policy will not pay under below circumstances:

• Broadly there would be no claim under policy under following circumstances DOMICILLARY HOSPITALISATION: Pre and post hospitalisation treatment treatment of Asthma Chronic Nephritis and Nephritis Syndrome Gastro-enteritis diabetes mellitus and insipidus epilepsy hypertension influenza cough and cold all psychiatric or psychosomatic disorder pyrexia of unknown origin for less than 10 days tonsilitis and URTI arthritis rheumatism ( the list is not exhaustive) Any treatment relating to any illness / disease already in existence at the time of proposal
• Any disease / injury during first 30 days of commencement of policy. ( accidental injury is not an exclusion
• During first year of cover of cataract Benign prostatic Hypertrophy Hysterectomy for menorrhagia on fibromyoma Hernia Hydrocele Congenital internal disease Fistula in anus sinusitis and related disorder
• Any pre-existing disease / illness is not covered during renewal also.
• Vaccination inoculation circumcision or change of life or cosmetic or aesthetic treatment plastic surgery unless dental treatment unless requiring hospitalisation necessitated due to accident or as a part of any illness.
• Cost of spectacles contact lenses hearing aids.
• Convalescence general debility run-down conditions sterility venereal disease intentional self-injury use of intoxicants
• Any variation of deficiency syndrome or AIDS.
• Hospital / nursing home charges not consistent with or incidental to the diagnosis and treatment : Vitamins tonics not forming part of any treatment.
• Any treatment related to pregnancy child birth and voluntary medical termination of pregnancy during the first 12 weeks of pregnancy
• Nuclear perils and war group of perils
• Naturo pathy treatment.