Optional Covers in Health Insurance

By Admin in Health Insurance-Legal opinions

Jan 28

The IRDAI issued circular Ref. No: IRDAI/HLT/GDL/CIR/136/08/2018 dated 27th of August, 2018, 10 items are excluded from the Optional covers.

This means they are covered under the normal cover under the health insurance policies.

The following are removed from the optional covers which were earlier treated as optional covers under the Guidelines for Standardization of  Health Insurance Business, 2016:



61 Dental Treatment Expenses that do not require hospitalization
62 Hormone Replacement Therapy
64 Infertility / Subfertility / Assisted conception procedure
65 Obesity (Including Morbid Obesity) Treatment if excluded in the policy
66 Psychiatric and Psychosomatic Disorders
67 Corrective Surgery for Refractive Error
68 Treatment of Sexually Transmitted Diseases
73 Any expenses when the patient is diagnosed with a retrovirus or suffering from HIV/AIDS etc is detected / directly or indirectly
74 Stem cell Implantation / Surgery and Storage
177 Aesthetic Treatment / Surgery

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