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Which diseases come under Permanent Exclusions in Complete Health Insurance Policy?

Unless covered by way of an appropriate Extension/Endorsement, the following diseases will not be paid for:
• Any pre-existing condition for a period as stated under ‘Pre-Existing Disease Waiting Period’ in ‘Salient Features’
• Any diseases contracted during the first 30 days of the period of insurance start date except those arising out of Accidents. This exclusion shall cease to apply on renewal of the Policy with us.
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• Cost of spectacles/contact lenses, dental treatment
• Medical Expenses incurred for treatment of AIDS
• Treatment arising from or traceable to pregnancy (this exclusion does not apply to ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the Medical Practitioner) and childbirth, miscarriage, abortion and its consequences, congenital disease
• Tests and treatment relating to infertility and in-vitro fertilisation
Please refer to the Policy Wordings for detailed exclusions