Official wording — reproduced verbatim
What the standard text says
Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However, in case of life threatening situations following an accident, expenses up to the stage of stabilization are payable but not the complete claim.
(Explanation: Details of excluded providers shall be provided with the policy document. Insurers to use various means of communication to notify the policyholders, such as e-mail, SMS about the updated list being uploaded in the website.)
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
An insurer can maintain a disclosed list of providers whose treatment is not admissible. After a life-threatening accident, expenses only up to stabilisation remain payable under this wording.
This explains the standard wording. Your policy schedule, endorsements and other clauses may change how the document applies to you.