What are the other important exclusions in the policy that I should be aware of?

Other Major Exclusions are as follows:

  • Hospitalisation expenses not in lieu of treatment for Coronavirus disease (COVID-19) will not be covered.
  • Insured members already treated for or quarantined for Coronavirus disease (COVID-19) before the policy issuance will not be
  • Insured Member(s) is/are not suffering from fever or suffering /suffered from diabetes, hypertension, disease related to heart/lungs/kidney/liver, cancer, stroke or any condition that needs ongoing medication or the insured members(s) is/are due for any medical treatment, at the time of buying this policy
  • Home hospitalisation (Domiciliary hospitalisation) expenses will not be
  • Hospitalisation expenses for patients only under investigation with inconclusive medical report

will not be covered.

Test report for Coronavirus disease (COVID-19) conducted from centres other than ICMR Authorized test Centre in India from National Institute of Virology, Pune will not be considered. Link of Authorised Test Centres mentioned below: https://icmr.nic.in/sites/default/files/upload_documents/Testing_sites_for_COVID19.pdf

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