IRDA/NL-HLT/NIA/P-H/V.I/340/13-14
or supplies that lack significant medical documentation to support their
effectiveness.
4.4.14 STERILITY AND INFERTILITY (Code- Excl17)
Expenses related to sterility and infertility. This includes:
a. Any type of contraception, sterilization
b. Assisted Reproduction services including artificial insemination and
advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
c. Gestational Surrogacy
d. Reversal of sterilization
4.4.15 MATERNITY EXPENSES (Code - Excl18)
a. Medical treatment expenses traceable to childbirth (including complicated
deliveries and caesarean sections incurred during hospitalization) except ectopic
pregnancy;
b. Expenses towards miscarriage (unless due to an accident) and lawful medical
termination of pregnancy during the policy period.
4.4.16 War (whether declared or not) and war like occurrence or invasion, acts of foreign
enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military
or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.
4.4.17 Nuclear, chemical or biological attack or weapons, contributed to, caused by,
resulting from or from any other cause or event contributing concurrently or in any
other sequence to the loss, claim or expense. For the purpose of this exclusion:
a. Nuclear attack or weapons means the use of any nuclear weapon or device or
waste or combustion of nuclear fuel or the emission, discharge, dispersal, release
or escape of fissile/ fusion material emitting a level of radioactivity capable of
causing any Illness, incapacitating disablement or death.
b. Chemical attack or weapons means the emission, discharge, dispersal, release or
escape of any solid, liquid or gaseous chemical compound which, when suitably
distributed, is capable of causing any Illness, incapacitating disablement or death.
c. Biological attack or weapons means the emission, discharge, dispersal, release or
escape of any pathogenic (disease producing) micro-organisms and/or
biologically produced toxins (including genetically modified organisms and
chemically synthesized toxins) which are capable of causing any Illness,
incapacitating disablement or death.
4.4.18 Circumcision unless required to treat Injury or Illness.
4.4.19 Vaccination & Inoculation.
4.4.20 Cost of braces, equipment or external prosthetic devices, non-durable implants,
eyeglasses, Cost of spectacles and contact lenses, hearing aids including cochlear
implants, durable medical equipment.
4.4.21 All types of Dental treatments except arising out of an accident.
4.4.22 Convalescence, general debility.
4.4.23 Bodily injury or sickness due to willful or deliberate exposure to danger (except in
an attempt to save human life), intentional self-inflicted injury, attempted suicide.