Check Exclusions before buying Mediclaim & Critical Illness Policies

Please check Exclusions before buying Mediclaim and Critical Illness Policies

Mediclaim Policies

1. Any disease/injury within the first 30 days of commencing a policy, except accidental injury
2. Any treatment relating to any illness/disease already in existence at the time of the insurance proposal
3. 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.
4. 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.
5. Ambulance charges, registration / admission / file charges, extra food charges, attendant charges etc.

Critical Illness Policies

1. Any critical illness for which care, treatment, or advice was recommended or which was first manifested or contracted before
2. Any critical illness diagnosed within the first 90 days
3. Death with in 30 days following the diagnosis of the critical illness
4. Presence of HIV/AIDS infection
5. Treatment arising from or traceable to pregnancy or childbirth, including caesarean section, birth defects
6. War, invasion, act of foreign enemy, terrorism, hostilities (whether war be declared or not), civil war, rebellion, revolution
7. 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
8. Consequential losses of any kind, be they by way of loss of profit, loss of opportunity, loss of gain, business interruption etc.

Every proposer has to check what is not covered in the policy. In India agents normally tell us about "what is covered".
So we need to wisely use Free Look period of 15 days.