Following events are not covered under Medical Insurance plan

Such diseases which have been in pre-existence at the time of proposing this insurance.

Any expenses on hospitalization incurred during the first 30 days from the commencement period of insurance cover except in case of injury out of accident.

During first year of operation of insurance cover the expenses on treatment of diseases such as Cataract, Benign, Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibro Myoma, Hernia, Hydrocele, Congenitial Internal diseases, Fistula in Anus, Piles, Sinusitis and related disorders circumcision unless necessary for treatment of disease.

Cost of spectacles and contact lenses, hearing aids.

Dental treatment or surgery of any kind unless requiring hospitalization.

Treatment arising from or traceable to pregnancy, childbirth including caesarian section.

AIDs and Naturopathy treatments.

Coverage on hospitalization subject to a minimum of 24 hrs. stay only except in respect of certain specific named treatments viz. DIALYSIS / CHEMOTHERAPY / RADIO THERAPY / EYE SURGERY / DENTAL SURGERY / LITHOTRIPSY, TONSILECTOMY, D & C taken in the hospital and the insured is discharged on the same day.