List of ailments that have a waiting period

Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with the Company. This exclusion shall not be applicable for claims arising due to an accident.

 

• Any treatment related to Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism, Spinal Disorders(unless caused by accident), Joint Replacement Surgery(unless caused by accident), Arthroscopic Knee Surgeries/ACL Reconstruction/Meniscal and Ligament Repair
• Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal Septum Deviation, Sinusitis and related disorders
• Benign Prostatic Hypertrophy
• Cataract
• Dilatation and Curettage
• Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers
• Surgery of Genito-urinary system unless necessitated by malignancy
• All types of Hernia & Hydrocele
• Hysterectomy for menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by
  malignancy
• Internal tumours, skin tumours, cysts, nodules, polyps including breast lumps (each of any kind)
  unless malignant
• Kidney Stone / Ureteric Stone / Lithotripsy / Gall Bladder Stone
• Myomectomy for fibroids
• Varicose veins and varicose ulcers
• Genetic disorders
• Parkinson's or Alzheimer's disease or Dementia;