For example, certain pre-existing diseases are not covered. Certain problems like hernia are not covered in the initial two years and there could be a waiting period for various other diseases, which you need to read the insurance policy carefully.

The Insurance Regulatory Development Authority's Consumer Education Website says, "There would also be certain standard exclusions such as cost of spectacles, contact lenses and hearing aids not being covered, dental treatment/surgery ( unless requiring hospitalization) not being covered, convalescence, general debility, congenital external defects, venereal disease, intentional self-injury, use of intoxicating drugs/alcohol, AIDS, expenses for diagnosis, x-ray or laboratory tests not consistent with the disease requiring hospitalization, treatment relating to pregnancy or child birth including cesarean section, Naturopathy treatment."

It's also important to remember that there would be a waiting period of 30 days from the policy inception date, after which you can claim your health expenses or cashless facility at hospitals.

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