The Critical Illness Cover generally do not insure you against following:
i) Critical illness diagnosed within first 90 days from the inception of policy
ii) Death within 30 days of diagnosis of critical illness or surgery
iii) Illness due to smoking, tobaco, alcohol or drug intake
iv) Illness occuring due to internal or external congenital disorder
v) Critical conditions or consequences due to pregnancy or childbirth, including caesarean
vi) HIV/AIDS infection
vii) War, terrorism, civil war, navy or military operations
viii) Any dental care or cosmetic surgery
ix) Infertility treatment
x) Hormone replacement treatment
xi) Treatment to assist reproduction
However, the above conditions may vary from insurer to insurer.
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