Page 203 - Misc Ebook IC 78

Miscellaneous Insurance

Q3. State the exclusions applicable to Mediclaim
Policy.

Ans. The Mediclaim Policy 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.

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