General Exclusions​

• Unless there is an accidental emergency, claims arising during the initial 30 days of buying a health insurance plan are not covered.

• Coverage of pre-existing diseases is subject to a waiting period of 2 to 4 years

• Critical illnesses coverage usually comes with 90 days waiting period

• Injuries caused by war/terrorism/ nuclear activity

• Self-inflicted injuries or suicide attempts

• Terminal illnesses, AIDS, and other diseases of similar nature

• Cosmetic/plastic surgery, replacement of hormones surgery, etc.

• Dental or eye surgery expenses

• Bed rest/hospitalization and rehabilitation, common illnesses, etc.

• Treatment/diagnostic tests and post-care procedures

• Claims arising out of adventure sports injuries