Confused with Max Bupa

[Madhura]

As per Max-BUPA Health Insurance Terms & Conditions -
“It will not cover some things permanentaly like Ageing ; Artificial life maintenance; Circumcision; Drugs and dressings for outpatient or take-home use; Eyesight; Obesity; Out Patient Treatment; Neurological and Psychiatric Conditions; Sleep disorders; Speech disorders;”

What is left, when they are saying all is covered?

Plus some more conditions good for new proposal -
1. No Medical test for joinees who age is less than 60
2. Inclusion of all illness from the policy effective date (Pregnency Not included)
3. No Hospital room rent difference which is not seen in any other policy

4. Little higher premium compared to all other policies
5. Complete reimbursemtn of money including Dispovan, Bandages, Etc.

But how they accept good proposals without medical tests? To me it's looks like they increase the premium from second year onwards on the basis of claims.