Whether all sicknesses are covered under the policy ?
Ans. No there are certain illness which are not covered under the policy and for such ailment no claim is paid, The following shall be excluded from claim payments: Within 30 days from the date of first policy no claim shall be payable for any ailment except cost of treatment due to an accident. Any existing disease on the day of the policy weather known or no shall not be covered. Diseases like Cataract, prostratic hypertrophy, hernia etc. are not covered during first year of the policy. Medical expenses on maternity related hospitalization, Voluntary medical termination of pregnancy during first 12 weeks, Spectacles, contact lenses and hearing aids, dental treatment or surgery of any kind unless requiring hospitalization, any expenses related to HTLBIII or LAV or any derivatives/variants, AIDS, Naturopathy treatment shall not be covered.
