Official wording — reproduced verbatim
What the standard text says
i. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;
ii. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.
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
The wording excludes childbirth-related treatment, including complicated and caesarean deliveries, while excepting ectopic pregnancy. It also excludes miscarriage unless caused by an accident, and lawful medical termination during the policy period.
This explains the standard wording. Your policy schedule, endorsements and other clauses may change how the document applies to you.