Health Insurance: ICICI Lombard

• Any illness/ disease/ injury pre-existinq before the inception of the policy f0r the first 2/4 years as per
  plan opted. Such waiting period shall reduce if the insured has been covered under a similar policy before opting for this policy. subject however to portability regulations 

• Medical expenses incurred during the first 30 days Of inception of the policy. except those arising out of accidents. This exclusion doesn’t apply for subsequent renewals without a break 

• Non – allopathic treatment
• Expenses attributable to self -inflicted injury(resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use / misuse / abuse
• Cost of spectacles/ contact lenses, dental treatment
• Medical expenses incurred for treatment of AIDS
• Treatment arising from or traceable to pregnancy (this exclusion does not apply to ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the Medical Practitoner) and child birth, miscarriage. abortion and its consequences congenital disease

• Tests and treatment relating to infertility and invitro fertilisation

Certain ailments as specified below are not covered in the first two years when the cover is taken for the first time, but covered subsequently. Such waiting period shall reduce if the insured has been covered under a similar policy before opting for this policy, subject however to the portability regulations

Cataract•

Benign Prostatic Hypertrophy

• All types of Hernia, Hydrocele

• Sinusitis and related disorders

• Dilatation and curettage. Endometriosis

• Surgery on tonsils, adenoids and sinuses

• Deviated Nasal Septum

• Arthritis, gout. rheumatism and spinal disorders

• Fissures and/or Fistula in anus. hemorrhoids/ piles

• Joint replacements Ass due to accident

• Stones in the urinary and billiary systems

• Dialysis required for chronic renal failure

• Gastric and Duodenal erosions and ulcers

• Varicose Veins/Varicose Ulcers

• Myomectomy. Hysterectomy unless because of malignancy

• An types of skin and internal tumors / cysts/nodules / polyps of any kind including breast lumps unless malignant

•After two years Of continuous coverage (subject to portabiüty provisions), a Sub – Limit of Rs 1 Lakhs per eye be applicable for Sum Insured greater than 5 Lakhs.