IndusInd Health Insurance

Exclusions of IndusInd HealthWise Plan:

• Illnesses like cataract, fibromyoma, fistula, piles, hysterectomy, etc. are not covered in the first policy year
• Under the Standard Plan variant, pre-existing illnesses are not covered in the first 4 policy years. However, under the other two plan variants of Gold and Silver, pre-existing illnesses are not covered for the first 2 years
• Illnesses suffered within 30 days of buying the policy are not covered
• Maternity related treatments and costs of childbirth are not covered
• HIV, AIDS or any other sexually transmitted ailments are not covered
• Costs of spectacles, lenses or hearing aids are not covered
• Treatments due to war, nuclear contamination and related perils are not covered
• Congenital illnesses are not covered

Exclusions of IndusInd Critical Illness Insurance Plan:

• Pre-existing illnesses or diseases are not covered
• HIV, AIDS or STDs are not covered
• Illnesses within 3 months of buying the policy would not be covered*Illnesses due to pregnancy, war, nuclear threats, breach of law, alcohol usage or smoking, attempted suicide, etc. would not be covered
• Cosmetic treatments and surgeries are not covered
• If the insured dies within 30 days of diagnosis of the illness, claim would not be paid
• If the diagnosis is not done by a recognized medical practitioner or if it is not scientifically recognised, claim would not be admissible

Exclusions of IndusInd Personal Accident policy:

• Any type of claims after a claim has already been paid
• Claims for similar disabilities
• Claims more than the sum insured
• Attempted suicide, criminal acts, sexually transmitted diseases, HIV, AIDS, etc.
• Accidents suffered when you are under the influence of alcohol or drugs
• Maternity and its related complications
• Natural death