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Moneycontrol.com - Insurance, Mediclaim Premium Calculator
  You are here  :   Moneycontrol    Insurance    MEDICLAIM INSURANCE POLICY - Exclusions
MEDICLAIM INSURANCE POLICY
 Questions
Salient Features
Of The Policy
Definitions
Domiciliary Hospitaliza-
tion Benefit
Exclusions
Age Limit
Family Discount
Notice Of Claim
Cumulative Bonus
Cost Of Health Checkup
Cancellation Clause
Exclusions :
The Company shall not be liable to make any payment under this policy in respect of any expenses whatsoever incurred by any Insured Person in connection with or in respect of :-Such diseases which have been in existence at the time of proposing for this Insurance Pre-existing condition means any injury which existed prior to the effective date of this insurance. Pre-existing condition also means any sickness or its symptoms which existed prior to the effective date of this insurance, whether or not the insured person had knowledge that the symptoms were relating to the sickness

Complications arising from pre-existing disease will be considered part of the pre- existing condition.
Any hospitalization/domiciliary expenses incurred in the first 30 days from the commencement date of insurance cover except in case of injury arising out of accident.

  During the first year of the operation of insurance cover, the expenses on treatment of diseases such as Cataract. Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal diseases, Fistula in anus, Piles, Sinusitis and related disorders are not payable.

   Injury or Disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, War like operations (whether war be declared or not).

   Circumcision unless necessary for treatment of a disease not excluded hereunder or as may be necessitated due to an accident, vaccination or inoculation or change of life or cosmetic or aesthetic treatment of any description, plastic surgery other than as may be necessitated due to an accident or as a part of any illness.

   Cost of spectacles, contact lenses and hearing aids.

   Dental treatment or surgery of any kind unless requiring hospitalization.

   Convalescence, general debility, 'Run-down' condition or rest cure, congenital external disease or defects or anomalies, sterility, veneral disease, intentional self-injury and use of intoxicating drugs/alcohol.

   All expenses arising out of any condition directly or indirectly caused to or associated with Human T-cell Lymphotropic Virus type III (HTLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind commonly referred to as AIDS.

   Charges incurred at Hospital/Nursing Home primarily for diagnostic, X-ray or laboratory examinations not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any ailment, sickness or injury, for which confinement is required at a Hospital/Nursing Home.

   Expenses on vitamins and tonics unless forming part of treatment for injury or disease as certified by the attending Physician.

   Injury or Disease directly or indirectly caused by or contributed to by nuclear weapons/materials.

   Treatment arising from or traceable to pregnancy, childbirth including caesarean section.

   Voluntary medical termination of pregnancy during the first 12 weeks from the date of conception.

   Naturopathy treatment.
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