Standard exclusion — Excl13

Treatments received in certain establishments or for domestic reasons

These are IRDAI's codes and IRDAI's words, not ours.

Official wording — reproduced verbatim

What the standard text says

Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.

Source: IRDAI, Guidelines on Standardization of Exclusions in Health Insurance Contracts, page 9. Open the official PDF ↗

In plain English — our reading

What that means on the page

Treatment at the named types of establishments is excluded, as is an admission arranged wholly or partly for domestic rather than medical reasons.

This explains the standard wording. Your policy schedule, endorsements and other clauses may change how the document applies to you.