Exclusions

Treatment Of Cataract
Treatment of pre-existing disease/ conditions as defined
Any expenses towards treatment of diabetes Mellitus part II.
Any expenses towards immune suppressive drugs/medicines
Any expenses towards post-donation complications of the donor
Any expenses incurred towards the covered illness with 15 days from the commencement of the scheme
Cost of walkers, artificial limbs, crutches, wheel chairs & such other similar aids.
Charges incurred at hospital or nursing home primarily for diagnostic, X-ray or laboratory examinations not consisting with or incidental to the diagnosis and the treatment of the positive existence or presence of the covered illness for which the confinement is required at hospital/nursing home.
Expenses on vitamins & tonics unless forming part of the treatment for injury or disease as certified by the attending physician.
Naturopathy treatment
Hospital registration charges, record charges, telephone charges & such other charges
Expenses incurred for treatment of diseases / illness / accidental injuries by systems of medicines other than allopathic
Expenses incurred on cosmetic or aesthetic treatment of any description and/or plastic surgery even if necessitated following any of the covered illness/disease.