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Introduction of Health Insurance India Need of Health Insurance India What Health Insurance Policy Covers India What Health Insurance Policy in India Does not Cover List of 147 Day Surgeries Salient Points of Various Products of Insurance Company's WHAT HEALTH INSURANCE POLICY IN INDIA DOES NOT COVER

And related disorders are not payable.  If these diseases are pre-existing at the time of proposal they will not be covered even during subsequent period of renewal too.

4. Injury or Disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, Warlike operation (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 a part 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 test cure, congenital external disease or defects or anomalies, sternity, venereal disease, intentional self injury and use of intoxicating drugs/alcohol.
    
   
9. All expenses arising out of any condition directly or indirectly caused to or associated with Human T-Cell Lymphotropic Virus type III (IITLB-III) or Lymphadinopathy Associated Virus (LAV) or theMutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind commonly referred to as AIDS.
    
   
10. Charges incurred at Hospital or Nursing Home primarily for diagnostic, X-ray or laboratory examinations not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any ailment, sickness or injury, for which confinement is required at a Hospital/Nursing Home.
     
    
11. Expenses on vitamins and tonics unless forming part of treatment for injury or disease as certified by the attending Physician.
     
    
12. Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials.
     
    
13. Treatment arising from or traceable to pregnancy, childbirth including caesarian section.
     
    
14. Voluntary medical termination of pregnancy during first 12 weeks from the date of conception. (Exclusion 4.12 will stand deleted where Policy is extended to cover maternity benefits).

This list varies from one Insurance Company to other Insurance company, therefore at the time of selection of Insurance Company you should ask for the latest list.

Maternity Hospitalization: -
During the year 2004 all insurance companies added maternity hospitalization to this list. But the same companies continue to offer maternity hospitalization under Group Mediclaim. It means if someone has Group Mediclaim insurance cover of Oriental Insurance and maternity hospitalization was covered, then you should not assume that your family insurance cover from Oriental will also cover the same. The corporate going in for Group policy from Oriental might have negotiated and paid extra premium for covering maternity hospitalization. Pre-existing Diseases Cover :-

As far as individual/families are concerned no Insurance Company is covering prexisting diseases. ICICI lombard, which was offering such a product has recently withdrawn the same.

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