Any kinds of treatments that are done in the first 30 days of the inception of the policy except the accidental case are excluded from the coverage of the policy. The pre-existing conditions of the benefactor are not included under the coverage for the first 4 years. There is two year exclusion on
the treatment of cataract, hernia, hydrocele, benign prostatic hypertrophy, gall bladder stone removal etc. HIV AIDS related diseases are excluded from the coverage.
Any kind of injuries suffered by abuse of drugs, alcohol or any kind of intoxicants does not fall under the coverage of the policy. There is two year exclusion for cataract, joint replacement related problems. The non-medical expenses are also excluded from the coverage of the policy. Any kind of cost related to vitamins and tonics unless a part of the treatment is not covered under the policy.