Expert
30-06-2009, 01:04 PM
Please check Exclusions before buying Mediclaim and Critical Illness Policies
Mediclaim Policies
Any disease/injury within the first 30 days of commencing a policy, except accidental injury
Any treatment relating to any illness/disease already in existence at the time of the insurance proposal
Expenses incurred on cost of Spectacles, Contact Lenses, Hearing Aids, Dental Treatment unless requiring Hospitalization, Sterility, Intentional self injury and other exclusion clauses mentioned in the policy.
Expenses incurred at Hospitals/Nursing Homes primarily for Diagnostic, X-Rays or Laboratory examination, which are not consistent with or incidental to the diagnosis and treatment of the positive existence of any ailment.
Ambulance charges, registration / admission / file charges, extra food charges, attendant charges etc.
Critical Illness Policies
Any critical illness for which care, treatment, or advice was recommended or which was first manifested or contracted before
Any critical illness diagnosed within the first 90 days
Death with in 30 days following the diagnosis of the critical illness
Presence of HIV/AIDS infection
Treatment arising from or traceable to pregnancy or childbirth, including caesarean section, birth defects
War, invasion, act of foreign enemy, terrorism, hostilities (whether war be declared or not), civil war, rebellion, revolution
Naval or military operations of the armed forces or air force and participation in operations requiring the use of arms or which are ordered by military authorities for combating terrorists, rebels and the like, any natural peril
Consequential losses of any kind, be they by way of loss of profit, loss of opportunity, loss of gain, business interruption etc.
Mediclaim Policies
Any disease/injury within the first 30 days of commencing a policy, except accidental injury
Any treatment relating to any illness/disease already in existence at the time of the insurance proposal
Expenses incurred on cost of Spectacles, Contact Lenses, Hearing Aids, Dental Treatment unless requiring Hospitalization, Sterility, Intentional self injury and other exclusion clauses mentioned in the policy.
Expenses incurred at Hospitals/Nursing Homes primarily for Diagnostic, X-Rays or Laboratory examination, which are not consistent with or incidental to the diagnosis and treatment of the positive existence of any ailment.
Ambulance charges, registration / admission / file charges, extra food charges, attendant charges etc.
Critical Illness Policies
Any critical illness for which care, treatment, or advice was recommended or which was first manifested or contracted before
Any critical illness diagnosed within the first 90 days
Death with in 30 days following the diagnosis of the critical illness
Presence of HIV/AIDS infection
Treatment arising from or traceable to pregnancy or childbirth, including caesarean section, birth defects
War, invasion, act of foreign enemy, terrorism, hostilities (whether war be declared or not), civil war, rebellion, revolution
Naval or military operations of the armed forces or air force and participation in operations requiring the use of arms or which are ordered by military authorities for combating terrorists, rebels and the like, any natural peril
Consequential losses of any kind, be they by way of loss of profit, loss of opportunity, loss of gain, business interruption etc.