Official wording — reproduced verbatim
What the standard text says
a) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
b) This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve months.
c) The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently.
Source: IRDAI, Guidelines on Standardization of Exclusions in Health Insurance Contracts, page 7. Open the official PDF ↗
In plain English — our reading
What that means on the page
Illness treatment is generally outside cover during the first 30 days of a new policy. Covered accident claims are the exception. The rule does not apply after more than twelve months of continuous cover, but can apply again to an increased sum insured.
This explains the standard wording. Your policy schedule, endorsements and other clauses may change how the document applies to you.