List of Specific Diseases/procedures not covered by most medical insurance policies in India for the first 2 years of a policy:
1. Tumours, Cysts, polyps including breast lumps (benign)
2. Polycystic ovarian disease
3. Fibromyoma
4. Adenomyosis
5. Endometriosis
6. Prolapsed Uterus
7. Non-infective arthritis
8. Gout and Rheumatism
9. Osteoporosis
10. Ligament, Tendon or Meniscal tear (due to
injury)
Prolapsed Inter Vertebral Disc (due to injury or
13. otherwise)
14. Cholelithiasis
15. Pancreatitis
16. Fissure/fistula in anus, haemorrhoids, pilonidal
17. sinus
18. Ulcer & erosion of stomach & duodenum
19. Gastro Esophageal Reflux Disorder (GERD)
20. Liver Cirrhosis
21. Perineal Abscesses
22. Perianal / Anal Abscesses
23. Calculus diseases of Urogenital
Example: Kidney stone, Urinary bladder stone.
24. Benign Hyperplasia of prostate
25. Varicocele
26. Cataract
27. Retinal detachment
28. Glaucoma
29. Congenital Internal Diseases
30. Adenoidectomy
31. Mastoidectomy
32. Tonsillectomy
33. Tympanoplasty
34. Surgery for nasal septum deviation
35. Nasal concha resection
36. Surgery for Turbinate hypertrophy
37. Hysterectomy
38. Joint replacement surgeries Eg: Knee replacement, Hip replacement
39. Cholecystectomy
40. Hernioplasty or Herniorraphy
41. Surgery/procedure for Benign prostate enlargement
42. Surgery for Hydrocele/ Rectocele
43. Surgery of varicose veins and varicose ulcers
What happens if I port my existing policy to a new health insurance company?
This is only applicable to new medical insurance policies.
While porting a policy, the waiting period is not applicable if you have served out 2 years at your previous insurer.
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