What does the Group Arogya Sanjeevani insurance policy not cover?

Here’s what is not covered under this policy:

• Any diagnostics and evaluations that are only for the purpose of diagnosis and not treatment.  
• Any admission primarily for enforced bed rest only (rest cure, rehabilitation, and respite care)
• Any surgical treatments for obesity or weight control
• Any treatments for gender change
• Any cosmetic or plastic surgery other than those required in case of an injury or a disease
• Any treatments you require due to an unfortunate event that occurred when you participated as a professional in hazardous or adventure sports, including but not limited to, para jumping, rock climbing, mountaineering, rafting, motor racing, horse racing, scuba diving, hand gliding, skydiving, and deep-sea diving
• Any treatments that are required as you were part of an actual or attempted breach of law with criminal intent
• Any treatments you’ve received in any hospital, from any medical practitioner, or from any other provider other than those specified by the insurer
• Any treatment for alcoholism, drug or substance abuse, or any addictive condition. This also includes any hospitalisation for complications resulting from these treatments.
• Any treatments received in health hydros, nature cure clinics, spas, or similar establishments. This also includes private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons (not medically necessary).
• Any dietary supplements and substances that can be purchased without a prescription, including but not limited to vitamins, minerals, and organic substances. These will be covered only if they have been prescribed by a medical practitioner as part of a hospitalisation claim or day care procedure.
• Any treatment for correction of eyesight due to a refractive error less than 7.5 dioptres
• Any unproven treatments (treatments and procedures or supplies that lack significant medical documentation to support their effectiveness)
• Any sterility and infertility treatments 
• Any maternity expenses
• Any treatment required as a result of war (whether declared or not) or nuclear, chemical or biological attack or weapons 
• Any domiciliary hospitalisation and Out Patient Department (OPD) treatment
• Any treatments received outside of India
• Any treatments for pre-existing diseases that are listed under the International Classification of Diseases (ICD)

Learn more about the policy validity period.