- The
critical illness plan will not offer coverage if the insured has been suffering
from the specified illnesses at the time of purchasing the insurance policy or if care, treatment, or advice was recommended.
- Further,
coverage is not offered if she/he is diagnosed with a specified critical
illness within a period of 90 days to 120 days from the commencement of the
policy .
A
number of exclusions are applicable to the critical illness plan:
- Death
within 30 days following the diagnosis of a critical illness
- Absence
of submission of a doctor's medical certificate confirming the diagnosis of
illness/injury or underwent medical/surgical procedure
- Any
congenital illness or condition
- Any
medical procedure or treatment not medically necessary, not
performed by a doctor, treated by family member
- Self-medication
or any treatment that is not scientifically recognized.
- Treatment
relating to birth defects and external congenital Illnesses
- Birth
control procedures and hormone replacement therapy
- Any
treatment/surgery for change of sex or any cosmetic surgery or treatment
- Presence
of HIV/AIDS infection
- Naval
or military operations of the armed forces or air force requiring the use of arms
- Consequential
losses of any kind, be they by way of loss of profit, loss of opportunity, loss
of gain, business interruption etc.
See
also:
What are the different aspects that I should consider when buying a health insurance policy?
Illnesses covered by Critical Illness plans
When does the Critical Illness plan not cover the illnesses?
Miscellaneous Health Insurance FAQs
Health Insurance FAQs about Coverage
Health Insurance FAQs about Claims
Health Insurance FAQs about Premiums
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