1. 1. Investigation & Evaluation
2. 2. Rest Cure, rehabilitation and respite care
3. 3. Obesity/ Weight Control
4. 4. Change-of-Gender treatments
5. 5. Cosmetic or plastic Surgery
6. 6. Hazardous or Adventure sports
7. 7. Breach of law
8. 8. Excluded Providers
9. 9. Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof
10. 10. Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons
11. 11. Dietary supplements and substances that can be purchased without prescription.
12. 12. Refractive Error
13. 13. Unproven Treatments
14. 14. Sterility and Infertility
15. 15. Maternity Expenses
16. 16. Charges related to a Hospital stay not expressly mentioned as being covered. This will include RMO charges, surcharges and service charges levied by the Hospital.
17. 17. Circumcision
18. 18. Conflict & Disaster
19. 19. External Congenital Anomaly
20. 20. Dental treatment
21. 21. Hormone Replacement Therapy
22. 22. Multifocal Lens and ambulatory devices
23. 23. Sexually transmitted Infections & diseases (other than HIV / AIDS)
24. 24. Sleep Disorders
25. 25. Any treatment or medical services received outside the geographical limits of India
26. 26. Any expenses incurred on OPD treatment
27. 27. Treatment related to intentional self-inflicted Injury or attempted suicide by any means
28. 28. Treatment related to intentional self-inflicted Injury or attempted suicide by any means
29. 29. Costs which are not Reasonable and Customary and treatments which are not Medically Necessary
30. 30. Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state

Refer to the policy document for further details on sub-limits, waiting period & exclusions.

1. •Pre-existing Diseases - Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage
2. •Specified disease/procedure - Treatment of the listed conditions shall be excluded until the expiry of 24 months of continuous coverage.
3. •30-day waiting period - Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered.

Refer to the policy document for further details on sub-limits, waiting period & exclusions.