Health Insurance

Coverage Exclusion


  • Health Insurance
  • Top Up Health Insurance
  • Super Top Up Health Insurance
  • Critical Insurance
  • Global Health Insurance
  • Maternity Insurance


  • Medical Treatment with Room, Board & Nursing Expenses & Service Charges etc.
  • Medical Treatment in Intensive Care Unit
  • All admissible claims under 1 & 2 during the policy period
  • Consultants & Specialists Fees
  • Anaesthesia, Blood, Oxygen, OT Charges, Surgical Appliances
  • Pre-hospitalisation
  • Post-hospitalisation
  • Ambulance charges / Air Ambulance
  • Organ Donor
  • Free Medical Check up
  • Accidental Hospitalisation
  • Alternative Treatment (Subject to Treatment taken at a Ayurvedic hospital confirming with our definition of hospital and which is registered with any of the local Govt. bodies)
  • Domiciliary Hospitalisation
  • Day Care Procedures


  • Any diagnosis / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.
  • Time bound Exclusions: Pre-existing diseases covered after first 4 years of coverage, specified diseases or conditions covered after one year of coverage.
  • Certain diseases/surgeries like Hernia, Hydrocele etc shall be covered after a waiting period of 1 year.
  • Certain diseases like Cataract, Hysterectomy shall be covered after a waiting period of 2 years from commencement of Policy.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease
  • Tests and treatment relating to infertility and in vitro fertilization.
  • War, riot, strike, nuclear weapons induced hospitalization.
  • Treatment taken outside India.
  • Epidemic disease recognized by WHO or Indian government
  • Experimental and unproven treatment.
  • Treatments in health hydro, spas, nature care clinics and the like.
  • Genetic disorders and stem cell implantation / surgery / storage.