Official wording — reproduced verbatim
What the standard text says
Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.
Source: IRDAI, Guidelines on Standardization of Exclusions in Health Insurance Contracts, page 8. Open the official PDF ↗
In plain English — our reading
What that means on the page
This exclusion concerns treatment, including surgery, intended to change sex characteristics. The line above is IRDAI's official wording.
This explains the standard wording. Your policy schedule, endorsements and other clauses may change how the document applies to you.