Exclusions valid for the first 2 Years
- Treatment of the following diseases/illness/ailments:
- Cataract
- Benign Prostatic Hypertrophy
- Myomectomy, Hysterectomy unless because of malignancy
- Hernia, Hydrocele
- Fistula in Anus, Piles
- Arthritis, Gout, Rheumatism
- Joint replacement, unless due to accident
- Sinusitis and related disorders
- Stone in the urinary and biliary systems
- Dilatation & Curettage
- Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids
- Dialysis required for chronic renal failure
- Surgery on tonsils, adenoids and sinuses
- Gastric and duodenal ulcers
If the Policy is renewed with us for two consecutive years, the above diseases / illness/ ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the fourth year onwards, subject to continuous renewal of the policy with us.
Permanent exclusions
- Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 4 consecutive years
- Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment
- Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
- War, riots, strike, nuclear weapon, induced treatment
For details, kindly refer to Policy Wordings.
Eligibility
- The customer can buy the policy for any family member(s) children and / or parents.
- The senior most person to be insured should be between 5 to 65 years of age.
- The Proposer needs to be aged above 18 years.
- The insured should be in India for the purpose of claim.
- Children under less than 91 days old cannot be covered.
- The policy cover is renewable till the age of 75 years.
- Income Tax benefits u/s 80D can only be availed for policies bought for Self, Spouse,Children or Parents.
Claims
Identify your Service Provider
Refer to your cashless claim card and check the logo displayed to determine your service provider
- ICICI Lombard Health Care
- TTK Healthcare TPA Private Limited
- Parekh Health Management (Pvt.) Ltd.
- Medi Assist India Pvt. Ltd.
- MD India Healthcare Services (TPA) (Pvt.) Ltd.
- Paramount Health Services Pvt. Ltd.
- E Meditek Solutions Ltd.
- Family Health Plan Ltd.
- Raksha TPA Pvt. Ltd.
- Health India TPA Services Private Limited
- Dedicated Healthcare Services (India) Private Limited
- Alankit Health Care Limited
- Vipul Med Corp TPA. Pvt. Ltd.
- Park Mediclaim Consultants Private Ltd.
- Safeway Mediclaim Services
- Anmol Medicare Ltd.
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