Shri Criti Care Insurance Coverages

Pre-existing illnesses/conditions/injuries that exist at the time of commencement of the insurance policy

Any illness, sickness, or disease other than those listed in the policy schedule as critical illnesses

Any critical illness resulting from a physical or mental condition that existed before the policy issue date or the last commencement date which was not disclosed

Intentionally self-inflicted injury or illness, sexually transmitted conditions, mental/nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune-deficiency Virus (HIV) infection, suicide, etc.

War, civil war, invasion, insurrection, revolution, an act of a foreign enemy, hostilities (whether war be declared or not), rebellion, mutiny, use of military power, etc.

Ionising radiation or contamination by radioactivity from any nuclear fue

The radioactive, toxic, explosive or other dangerous explosive nuclear equipment

Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorised vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any professional sport, any bodily contact sport or any other hazardous/potentially dangerous sport for which you are trained or untrained

Any loss resulting directly or indirectly from childbirth or pregnancy

Any critical illness based on a diagnosis made by the insured or their immediate family member, anyone who is living in the same household, herbalist, acupuncturist or other non- traditional health care provider

Cosmetic/plastic surgery, any elective surgery or cosmetic procedure that improve physical appearance, surgical and non-surgical treatment of obesity (including morbid obesity) and weight control programs or treatment of an optional nature

Special nursing care, routine health checks, convalescence, custodial care, general debility, lethargy, rest cure, etc.

Any investigation(s) or treatments not directly related to a covered illness or covered injury or the conditions or diagnosis necessitating hospital admission