Official wording — reproduced verbatim
What the standard text says
Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:
1) Surgery to be conducted is upon the advice of the Doctor
2) The surgery/Procedure conducted should be supported by clinical protocols
3) The member has to be 18 years of age or older and
4) Body Mass Index (BMI);
a) greater than or equal to 40 or
b) greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss:
i. Obesity-related cardiomyopathy
ii. Coronary heart disease
iii. Severe Sleep Apnea
iv. Uncontrolled Type2 Diabetes
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
Surgery for obesity is excluded unless every stated condition is met: medical advice, clinical-protocol support, the minimum age, and one of the specified BMI and health-condition tests.
This explains the standard wording. Your policy schedule, endorsements and other clauses may change how the document applies to you.