Page 89 - Ebook health insurance IC27

Sashi Publications

 Any disease contracted by the insured person during the first 30 days from the
commencement date of the policy.

 There is one/two year waiting period for reimbursement of the expenses on treatment
of disease such as -Cataract, Benign Prostate Hypertrophy, Fistula in anus, piles,
Sinus etc

 Injury or disease directly or indirectly caused by War, Invasion, Act of Foreign
enemy, war like operations

 Circumcision unless for treatment of a disease
 Cost of spectacles and contact lenses, hearing aids.
 Any dental treatment or surgery unless requiring hospitalisation
 Convalescence, intentional self-injury and use of intoxicating drugs/ alcohol.
 HIV,AIDS or sexually transmitted diseases
 Charges incurred at hospital like X-Ray and other tests not directly related to disease

being treated in hospital
 Expenses on vitamins or tonics unless forming part of treatment for injury
 Injury or disease caused by nuclear weapons or materials
 Pregnancy, childbirth, miscarriage, abortion
 Naturopathy treatment.

Group Health Insurance

Health insurance policy can also be issued to large number of people in a single policy
provided all are members of a homogeneous group.

Homogeneous group refers to persons in the same category. For example 100 people
are member of a health club. This represents a homogeneous group. Now 50 more

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