Page 109 - Ebook health insurance IC27

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(ii) Any disease contracted by the insured person during the waiting period
from the commencement date of policy.

(iii) One year- two year exclusions (waiting periods) for diseases like Cataract,
Benign ProstaticHypertrophy, Hysterectomy for Menorrhiaor Fibromyoma,
Hernia, Hydrocele, Congenital Internal disease, Fistula, Piles, Sinusitis or
related disorders.

(iv) War and related perils, Nuclear weapons/materials related peril.

(v) Circumcision unless necessary for treatment.

(vi) Vaccination or inoculation, change of life, cosmetic/aesthetic treatment of
any description, plastic surgery, unless necessary for treatment.

(vii) Cost of spectacles and contact lenses, hearing aids ( normal maintenance
expenses).

(viii) Dental treatment or surgery, unless requiring hospitalization.

(ix) Convalescence, General debility, run down condition or rest cure, congenital
external disease, defects or anomalies, sterility, venereal disease, international
self injury and use of intoxicating drugs/alcohol.

(x) Treatment for AIDS/HIV, or sexually transmitted diseases.

(xi) Charges incurred at Hospital/Nursing Home primarily for diagnostic, X-
Ray or laboratory examination or other diagnostic studies not relevant/
incidental to the treatment undergoing at the Hospital/Nursing Home/
Domiciliary Hospitalization as defined.

(xii) Expenses on Vitamins and tonics unless necessary for the treatment, and
certified by a physician.

(xiii) Treatment related to pregnancy, Caesarean section (unless Maternity Benefit
is covered), and voluntary termination of pregnancy during 12 weeks of
conception.

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