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:

1. All diseases/injuries, which are pre-existing when the cover incepts for the first time. For the purpose of applying this condition, the date of inception of the initial Mediclaim policy taken from any of the Indian insurance companies shall be taken, provided the renewals have been continuous and without any break.



2. Any disease other than those stated in clause 3, contracted by the Insured person during the first 30 days from the commencement date of the policy. This condition 2 shall not however, apply in case of the Insured person having been covered under this scheme or Group Insurance Scheme with any of the India: Insurance companies for a continuous period of preceding 12 months without any break.

Note: These exclusions 1 and 2 shall not however apply if,

1. In the opinion of a Panel of Medical Practitioners constituted by the Company for the purpose, the Insured Person could not have known of the existence of the disease or any asymptotes or complaints thereof at the time of making the proposal for insurance to the Company.


2. The insured had not taken any consultation, treatment or medication, in respect of the hospitalization for which claim has been lodged under the policy prior to taking the insurance.


3. During the first TWO years of the operation of the policy, the expenses on treatment of diseases such as Cataract, Benign, Prostatic, Hyperthrophy, Hysterectomy for Menorrhagia, or Fibromyoma, Hernia, Hydrocele, Congenital internal disease, Fistula in anus, piles, Sinusitis and related disorders, Gout & Rheumatism, Cokulus Diseases, Joint Replacement due to begenerative condition and age-related Osteoarthiritis & Osteoporosis are not payable. If these diseases (other than Congenital Internal Diseases) are pre-existing at the time of proposal they will not be covered even during subsequent period of renewal. If the Insured is aware of the existence of congenital internal disease before inception of the policy, the same will be treated as pre-existing.



4. Injury / disease directly or indirectly caused by or arising from or attributable to invasion, Act of Foreign enemy, War like operations (whether war be declared or not).



5. 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 apart of any illness.



6. Cost of spectacles and contact lenses, hearing aids.



7. Dental treatment or surgery of any kind unless requiring hospitalisation.



8. Convalescence, general debility; run-down condition or rest cure, Congenital external disease or defects or anomalies, Sterility, Venereal disease, intentional self injury and use of intoxication drugs / alcohol.



9. All expenses arising out of any condition directly or indirectly caused to or associated with Human T-CeH Lymphotropic Virus Type III (HTLB - III) or lymphadinopothy Associated Virus (LAV) or the Mutants Derivative or Variation Deficiency Syndrome or any syndrome or condition of a similar kind commonly referred to as AIbS.



10. Charges incurred at Hospital or Nursing Home primarily for diagnosis x-ray or Laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of positive existence of presence of any ailment, sickness or injury, for which confinement is required at a Hospital / Nursing Home or at home under domiciliary hospitalisation as defined~.



11. Expenses on vitamins and tonics unless forming part of treatment for injury or diseases as certified by the attending physician

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


12. Treatment arising from or traceable to pregnancy (including voluntary termination of pregnancy) and childbirth (including caesarean section).



13. External and or durable Medical / Non-medical equipment of any kind for diagnosis and or treatment including CPAP, CAPD, Infusion purn~ Ambulatory devices i.e., walker, crutches, Belts, Collars, Caps, Splints, 5 Braces, Stockings, etc., of any kind. diabetic foot wear, Glucorne Thermometer and similar related items etc., and also any medical equip: which subsequently used at home etc. -.



14. Any kind of Service charges, Surcharges, Admission Fees/Registration Charges levied by the hospital

• Salient Features



• Definations



• Age Limit



• Notice of Claim



• Renewal of Insurance Cover



• Proposal Form



• TPA Details - MD India