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before-buying-health-insurance

NEED TO SEE BEFORE BUYING HEALTH INSURANCE

WAITING PERIODS 

  • Accidental cover from day 1.
  • 30 days waiting period: Any disease/illness/condition or treatment mentioned in 2 year exclusion list will not be covered within the first 30 days even if arising due to accident.
  • 2 year waiting period for specific diseases like cataract, hernia, sinus, piles, kidney/ gall bladder stone, joint replacement surgeries, etc.
  • Pre-existing disease covered from 2nd, 3rd / 4th year, depending upon policy to policy.

EXCLUSIONS:

  • HIV, AIDS and related disease 
  • Drink & drive
  • Alcohol & drug abuse
  • Self inflicted injuries or suicide
  • War, nuclear & terrorist attacks
  • Cosmetic treatment or plastic surgery
  • Artificial limb and external devices
  • External congenital disease 
  • Mental disorder
  • Natural calamities
  • Adventurous sports
  • Dental & ophthalmological expenses
  • Involvement in criminal activity, etc.