What is not covered

  • Congenital diseases
  • Plastic surgery and other cosmetic treatments except treatment related to accidents. 
  • Spectacles, hearing aids, health related Belts and other artificial limbs and aids.
  • Dental related diseases and surgery except when there is a need for hospitalization due to accidents etc. 
  • Disease caused by alcoholism, consumption of drugs
  • Venereal diseases, HIV, self-attempted damages to the body, attempt to suicide. 
  • Dialysis, chemotherapy
  • Prenatal and Post-natal diseases, abortions, IUD
  • Naturopathy, and treatment related to sterility
  • Cost of transport in ambulance, cost of food, travel, telephone expenses incurred by the card holder in connection with the treatment. 
  • Dog bite, immunization, debility, and anemia.
  • Treatment taken as inpatient for diseases which could have been treated as outpatient.
  • Expenses incurred for X-Ray, CT scan, MRI, angiogram and other investigations to diagnose the diseases.
  • Contagious diseases and diseases/ injury to health caused in masses due to war, communal violence, earth quake, floods, typhoon, tsunami etc.