Official wording — reproduced verbatim
What the standard text says
a) Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
i. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons.
ii. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.
(Note: However, Insurers may endeavour to develop add-on riders to offer respite care and home care, especially, the coverage that kicks in at age 65 onwards, provided the coverage under base policy is continued without break.)
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
This concerns admissions for bed rest rather than active treatment, personal custodial care, and services addressing the broader needs of someone who is terminally ill. A separate add-on may cover some respite or home care.
This explains the standard wording. Your policy schedule, endorsements and other clauses may change how the document applies to you.