Page 137 - Misc Ebook IC 78

Miscellaneous Insurance

Q3. List out the various exclusions specified in
the mediclaim policy.

Ans. The Mediclaim has the following exclusions :
(i) All pre-existing diseases and injuries when the cover

incepts for the first time.

(ii) Any diseases other than those stated under clause III,
contracted by the insured person during the first 30 days
from the commencement of the policy. However, this
exclusion shall not be applicable if the insured could not
have known of the existence of the disease or any of its
symptoms (as per the panel of medical practitioners).
This condition is also not applicable if the policy is being
renewed after continuing for the preceding 12 months
without any break.

(iii) During the first year of operation of the policy, treatment
of diseases like Cataract, Benign Prostatic Hypertrophy,
Hysterectomy for Menorrhagia or Fibromyoma , Hernis,
Hydrocele, Congenital Internal Diseases, Fistula and
Piles, Sinusitis and related disorders are excluded.

(iv) Diseases or disorders from war and kindred perils and
nuclear weapons material are excluded.

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