| 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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4.8 Convalescence, general debility, “run down” condition or rest cure, congenital external and internal diseases or defects or anomalies, sterility, any fertility, sub-fertility or assisted conception procedure, venereal diseases, intentional self-injury/suicide, all psychiatric and psychosomatic disorders and diseases/ accident due to and/ or use, misuse or abuse of drugs/ alcohol or use of intoxicating substances or such abuse or addiction etc. |
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4.9 Any treatment received in convalescent home, convalescent hospital, health hydro, nature care clinic or similar establishments. |
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4.10 All expenses arising out of any condition directly or indirectly caused by, or associated with Human T-cell Lymphotropic Virus Type III (HTLD - III) or Lymohadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of similar kind commonly referred to as AIDS, HIV and its complications including sexually transmitted diseases. |
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4.11 Expenses incurred at Hospital or Nursing Home primarily for evaluation/ diagnostic purposes which is not followed by active treatment for the ailment during the hospitalised period OR expenses incurred for investigation or treatment irrelevant to the diseases diagnosed during hospitalisation or primary reasons for admission, referral fee to family doctors, out station consultants/ Surgeons fees, Doctor’s home visit charges/ Attendant/ Nursing charges during pre and post hospitalisation period. etc. |
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4.12 Expenses incurred on vitamins and tonics etc unless forming part of treatment for injury or disease as certified by the attending physician and/ or all non medical expenses including personal comfort and convenience items or services. |
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4.13 Any Treatment arising from or traceable to pregnancy, childbirth, miscarriage, caesarean section, abortion or complications of any of these including changes in chronic condition as a result of pregnancy. |
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4.14 Naturopathy treatment, unproven procedure or treatment, experimental or alternative medicine and related treatment including acupressure, acupuncture, magnetic and such other therapies etc. |
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4.15 Genetic disorders and stem cell implantation/ surgery. |
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4.16 Cost of external and or durable Medical/ Non medical equipment of any kind used for diagnosis and or treatment including CPAP, CAPD, Infusion pump etc., Ambulatory devices i.e. walker, Crutches, Belts, Collars, Caps, splints, slings, braces, Stockings etc. of any kind, Diabetic foot wear, Glucometer/ Thermometer and similar related items etc. and also any medical/ non medical equipment which is subsequently used at home. |
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4.17 Treatment of obesity or condition arising therefrom (including morbid obesity) and any other weight control programme, services or supplies etc... |
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4.18 Change of treatment from one system to another system of medicine unless being agreed/ allowed and recommended by the consultant under whom the treatment is taken. |
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4.19 Any treatment arising from Insured’s participation in any hazardous activity including but not limited to scuba diving, motor racing, parachuting, hang gliding, rock or mountain climbing etc unless specifically agreed by the Insurance Company. |
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4.20 Out patient Diagnostic, Medical or Surgical procedures or treatments, non-prescribed drugs and medical supplies, Hormone replacement therapy, Sex change or treatment which results from or is in any way related to sex change. |
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