Specific conditions with a
one-year waiting period
The following specific diseases will be covered subject to a waiting period of 12 months
1
Non-infective arthritis, osteoarthritis and osteoporosis (if age related), systemic connective tissue disorders, dorsopathies, spondylopathies, inflammatory polyarthropathies, arthrosis and intervertebral disorders (unless due to accident).
2
Pancreatitis, calculus disease of gallbladder/biliary tract and urogenital system, gastric & duodenal erosions/ulcers, varices of GI tract, cirrhosis of the liver, rectal prolapse.
3
Cataract, glaucoma and disorders of the retina.
4
Hyperplasia of prostate, urethral strictures, hydrocele/varicocele and spermatocele.
5
All abnormal utero-vaginal bleeding, female genital prolapse, endometriosis/adenomyosis, fibroids, ovarian cyst, pelvic inflammatory disease.
6
Haemorrhoids, fissure, fistula and pilonidal sinus/cyst.
8
Chronic kidney disease and failure.
9
Diabetes and its related complications.
10
Ischemic heart disease and valvular heart diseases.
11
Varicose veins of lower extremities.
12
Disease of middle ear and mastoid including otitis media, cholesteatoma, perforation of tympanic membrane, sinusitis, tonsillitis, adenoid hypertrophy, nasal septum deviation, turbinate hypertrophy, nasal polyp, mastoiditis, nasal concha bullosa.
13
All internal and external benign or in situ neoplasms/tumours, cyst, sinus, polyp, nodules, swelling, mass or lump including breast lumps (each of any kind unless malignant).
14
Internal congenital anomaly.
15
Ligament tear, stones in biliary and urinary systems and hysterectomy.
16
Neurodegenerative disorders including but not limited to Alzheimer’s disease and Parkinson’s disease.
17
Joint replacement, bariatric surgery, organ transplant, and any medical expenses incurred as a result of joint replacement, bariatric surgery and organ transplant surgery..
