The Company will not be liable under the Policy in respect of payment towards treatment taken due to:
Any condition, ailment or injury or related condition(s) for which you have been diagnosed, received medical treatment, had signs and / or symptoms, prior to inception of your first policy, until 48 consecutive months have elapsed, after the date of inception of the first policy with us.
Any disease/ailment contracted during the first 30 days of commencement of the policy and charges for admission, discharge, administration, registration, documentation and filing, service expenses/surcharges.
Non-allopathic treatment, Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of this, including caesarian section. However, this exclusion will not apply to abdominal operation for extra uterine pregnancy (Ectopic Pregnancy), which is proved by submission of Ultra Sonographic Report and certification by Gynecologist that it is life threatening.
Congenital diseases, All expenses related to AIDS and related diseases. Ailments / Complications arising out of use/abuse of intoxicating drugs or alcohol.