1. Ancillary hospital charges

2. Hazardous activities

3. Artificial life maintenance

4. Obesity and weight control programs

5. Behavioral, Neurodevelopmental and Neurodegenerative Disorders

6. Circumcision

7. Conflict & disaster

8. External congenital anomaly

9. Convalescence & rehabilitation

10. Cosmetic and reconstructive surgery

11. Dental/oral treatment

12. Eyesight & optical services

13. Experimental or unproven treatment

14. Hospitalisation not justified

15. Inconsistent, irrelevant or incidental diagnostic procedures

16. Artificial life maintenance

17. Non-medical expenses

18. Rest Cure, rehabilitation and Behavioral, Neurodevelopmental and Neurodegenerative Disorders

19. Circumcision

20. Conflict & disaster

21. External congenital anomaly

22. Convalescence & rehabilitation

23. Cosmetic and reconstructive surgery

24. Dental/oral treatment

25. Eyesight & optical services

26. Puberty and menopause related disorders

27. Reproductive medicine & other maternity expenses

28. Robotic assisted surgery, light amplification by stimulated emission of radiation (LASER) & light based treatment

29. Experimental or unproven treatment

30. Sexually transmitted infections & diseases

31. Sleep disorders

32. Substance related and addictive disorders

33. Unlawful activity

34. Treatment received outside India

35. Unrecognized physician or hospital

Generally, excluded expenses - Any costs or expenses specified in the list of expenses generally excluded.

We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, or based on, or arise out of, or are directly or indirectly connected to any of the following:    

• • Suicide or self-inflicted injury, whether the insured person is medically sane or insane.    
• • Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
• • Service in the armed forces, or any police organisation, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.
• • Any change of profession after inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.
• • Committing an assault, a criminal offence or any breach of law with criminal intent.
• Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.
• • Participation in aviation/marine including crew other than as a passenger in an aircraft/watercraft that is authorised by the relevant regulations to carry such passengers between established airports or ports.
• • Engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow, ice sports, hunting
• • Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However, this exclusion is not applicable to claims made under the Permanent Partial Disability benefit.

• Pre-existing disease waiting period of 36 months since inception of the policy and continuous renewal

• Initial waiting period of 30 days unless the treatment needed is the result of an accident.

• Specific waiting period of 24 months for some listed illnesses, unless the condition is directly caused by cancer (covered after initial waiting period of 30 days) or an accident (covered from day 1)

•Please note that Waiting Periods shall not apply to e-consultation, Personal Accident Cover and Critical Illness Cover.

 Please do read more about the common exclusions in the policy terms & conditions.

We shall not be liable to make any payment under Critical Illness Cover directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following unless specifically mentioned elsewhere in the policy.    

• • Behavioral, Neurodevelopment and Neurodegenerative Disorders     
• • AYUSH Treatment
• • Conflict & disaster
• • External congenital anomaly
• • Cosmetic and reconstructive surgery
• • Experimental/ Investigational or Unproven Treatment 
• • Hazardous Activities
• • HIV, AIDS, and related complex
• • Mental and psychiatric conditions
• • Reproductive medicine & other maternity expenses
• • Sexually transmitted infections & diseases
• • Substance related and addictive disorders
• • Traffic offences & unlawful activity
• • Unrecognised physician or hospital