The index — standard exclusions
Eighteen codes that should not be hidden in the fine print.
IRDAI standardised these codes and their wording for Indian health insurance. When an insurer uses one of these exclusions, it must use the standard wording. Your own policy tells you which exclusions it includes.
These are IRDAI's codes and IRDAI's words, not ours.
Official index — Excl01 to Excl18
Choose a code
- Excl01Pre-Existing Diseases
- Excl02Specified disease/procedure waiting period
- Excl0330-day waiting period
- Excl04Investigation & Evaluation
- Excl05Rest Cure, rehabilitation and respite care
- Excl06Obesity/ Weight Control
- Excl07Change-of-Gender treatments
- Excl08Cosmetic or plastic Surgery
- Excl09Hazardous or Adventure sports
- Excl10Breach of law
- Excl11Excluded Providers
- Excl12Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof
- Excl13Treatments received in certain establishments or for domestic reasons
- Excl14Dietary supplements and substances purchased without prescription
- Excl15Refractive Error
- Excl16Unproven Treatments
- Excl17Birth control, Sterility and Infertility
- Excl18Maternity