Official wording — reproduced verbatim
What the standard text says
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.
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
Appearance-changing treatment is excluded unless it is reconstruction after an accident, burns or cancer, or medically necessary to remove a direct and immediate health risk certified by the attending doctor.
This explains the standard wording. Your policy schedule, endorsements and other clauses may change how the document applies to you.