Health Insurance

  1. Day care treatment where 24 hours of hospitalization is not required for treatments like dialysis, chemotherapy, eye surgery, lithotripsy, etc., undertaken in a hospital
  2. Domiciliary hospitalization where care and treatment is taken at home exceeding 3 days for disease, illness or injury
  3. Critical Illness covered:
    • Cancer
    • First Heart Attack
    • Coronary Artery Disease
    • Coronary Artery bypass surgery
    • Heart Valve Surgery
    • Surgery to Aorta
    • Stroke
    • Kidney Failure
    • Aplastic Anemia
    • End Stage Lung Disease
    • End Stage Liver Failure
    • Coma
    • Major Burns
    • Major Organ/Bone Marrow Transplantation
    • Multiple Sclerosis
    • Fulminant Hepatitis
    • Motor Neurone Disease
    • Primary Pulmonary Hypertension
    • Terminal Illness
    • Bacterial Meningitis


  1. Hospitalization expenses for treatment taken for disease or illness within 30 days of inception of the policy. This clause is not applicable on subsequent renewals.
  2. First 2 years exclusions include -
    • Cataract, laser surgery
    • Myomectomy, Hysterectomy unless because of malignancy
    • Dilation and curettage
    • Hernia, Hydrocele, fistula in anus, sinusitis, hemorrhoids/piles
    • Joint replacement, unless due to accident
    • All types of skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant
    • Dialysis required for chronic renal failure
    • Gastric and duodenal erosions & ulcers
  3. - Please click to expand Permanent exclusions
    • Routine medical, eye and ear examinations, cost of spectacles
    • Dental treatment
    • Circumcision, sex change or treatment
    • Birth control procedures, hormone replacement therapy, caesarean section, fertility or conception operation
    • Acquired Immune Deficiency Syndrome (AIDS) and related diseases/illness related to HIV

These inclusions and exclusions are for our basic health insurance plan. Please refer to the Policy Wording - PDF (335 KB Opens in a new window) for the complete list of exclusions.

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