1. Investigation & Evaluation

  2. Rest Cure, rehabilitation and respite care

  3. Obesity/ Weight Control

  4. Change-of-Gender treatments

  5. Cosmetic or plastic Surgery

  6. Hazardous or Adventure sports

  7. Breach of law

  8. Excluded Providers

  9. Refractive Error

  10. Unproven Treatments

  11. Sterility and Infertility

  12. Maternity Expenses

  13. Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof

  14. 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.

  15. Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure.

  16. Any expenses incurred on Domiciliary Hospitalization and OPD treatment

  17. Treatment taken outside the geographical limits of India.

  18. War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.

  19. Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense.

  20. In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), policyholder is not entitled to get the coverage for specified ICD codes.