| 8- Oriental Insurance Company Limited - Family Floater Policy Wording |
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| Source: Website of The Oriental Insurance Company Limited |
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4.3 The expenses on treatment of following ailment/ diseases/ surgeries for the specified periods are not payable if contracted and/ or manifested during the currency of the policy. |
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| If these diseases are pre-existing at the time of proposal the exclusion no 4.1 for pre-existing condition SHALL be applicable in such cases. |
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| i |
Benign ENT disorders and surgeries i.e. Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty etc. |
1 year |
| ii |
Polycystic ovarian diseases |
1 year |
| iii |
Surgery of hernia |
2 years |
| iv |
Surgery of hydrocele |
2 years |
| v |
Non infective Arthritis |
2 years |
| vi |
Undescendent Testes. |
2 years |
| vii |
Cataract. |
2 years |
| viii |
Surgery of benign prostatic hypertrophy |
2 years |
| ix |
Hysterectomy for menorrhagia or fibromyoma or myomectomy or prolapse of uterus. |
2 years |
| x |
Fissure/ Fistula in anus. |
2 years |
| xi |
Piles |
2 years |
| xii |
Sinusitis and related disorders. |
2 years |
| xiii |
Surgery of gallbladder and bile duct excluding malignancy |
2 years |
| xiv |
Surgery of genito- urinary system excluding malignancy. |
2 years |
| xv |
Pilonidal Sinus. |
2 years |
| xvi |
Gout and Rheumatism. |
2 years |
| xvii |
Hypertension. |
2 years |
| xviii |
Diabetes. |
2 years |
| xix |
Calculus diseases. |
2 years |
| xx |
Surgery for prolapsed inter vertebral disk unless arising from accident. |
2 years |
| xxi |
Surgery of varicose veins and varicose ulcers. |
2 years |
| xxii |
Joint Replacement due to Degenerative condition |
4 years |
| xxiii |
Age related osteoarthritis and Osteoporosis. |
4 years |
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4.4 Injury or disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, War like operations (whether war be declared or not) or by nuclear weapons/ materials. |
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4.5 Circumcision (unless necessary for treatment of a disease not excluded under the policy or as may be necessitated due to any accident), vaccination, inoculation, 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. |
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4.6 Surgery for correction of eye sight, cost of spectacles, contact lenses, hearing aids etc. |
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4.7 Any dental treatment or surgery, unless arising from injury and which requires hospitalisation, which is corrective, cosmetic or of aesthetic in nature, filling of cavity, root canal treatment including treatment for wear and tear etc |
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