ICICI Health Protect Plus Plan

Exclusions

• Any illness, disease, or injury that existed before policy inception is excluded until 48 months of continuous coverage have elapsed.

• Medical expenses incurred within the first 30 days from the policy start date are not covered, except those arising from accidents.

• Treatment for certain conditions, such as cataract, hernia, hydrocele, and sinusitis, is excluded during the first two years of coverage.

• Expenses related to self-inflicted injuries, including suicide attempts, are not covered.

• Medical issues arising from the use or abuse of alcohol, drugs, or other intoxicants are excluded.

• Expenses for cosmetic or plastic surgery, unless necessitated by an accident or medically required, are not covered.

• Routine dental treatments, eye examinations, and the cost of spectacles or contact lenses are excluded.

• Treatment for congenital diseases, defects, or anomalies is not covered.