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|