Common use of Permanent Exclusions Clause in Contracts

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (c) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-operatively; (d) Expenses incurred on all dental treatment unless necessitated due to an Accident; (e) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (f) Acupressure, acupuncture, magnetic and such other therapies; (g) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (h) Vaccination or inoculation of any kind, unless it is post animal bite; (i) Sterility, venereal disease or any sexually transmitted disease; (j) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (k) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (l) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (m) Any reatment/surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (n) Any expenses incurred on treatment arising from or traceable to pregnancy (including voluntary termination of pregnancy, childbirth, miscarriage (unless caused due to accident), abortion or complications of any of these, including caesarean section) and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (o) Treatment relating to Congenital external Anomalies; (p) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording (q) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (r) Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring Hospitalization; (s) Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner; (t) Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (u) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (v) Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (w) Any Claim directly or indirectly related to criminal acts; (x) Any expenses arising out of Domiciliary Hospitalization; (y) Any treatment taken outside India; (z) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (aa) Any consequential or indirect loss arising out of or related to Hospitalization; (bb) Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (cc) Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; (dd) All non-medical expenses listed in Annexure III of the Policy.

Permanent Exclusions. (a) Up We will not be liable under any circumstances, for any Claim in connection with or with regard to Deductible amount mentionedany of the following permanent exclusions as specified below: (b) 1. Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (c) 2. Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea apnea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-operatively; (d) Expenses incurred on all dental treatment unless necessitated due to an Accident; (e) 3. Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services, medical supplies including elastic stockings, diabetic test strips, and similar products. 4. Expenses incurred on all dental treatment unless necessitated due to an Accident and treatment is taken in in-patient department of hospital or day care centre; (f) 5. Acupressure, acupuncture, magnetic and such other therapies; (g) 6. Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (h) 7. Vaccination or inoculation of any kind, unless it is post animal bitebite and there is hospitalisation as an in-patient; (i) 8. Sterility, venereal disease or any sexually transmitted disease; (j) 9. Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (k) 10. Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (l) 11. Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (m) 12. Any reatmenttreatment/surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (n) 13. Any expenses incurred on treatment arising from or traceable to pregnancy ([including voluntary termination of pregnancy, childbirth, miscarriage (unless caused due to accident), abortion or complications of any of these, including caesarean cesarean section) ] and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (o) 14. Treatment relating to Congenital external Anomalies; (p) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells15. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording (q) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (r) 16. Admission primarily for diagnostic purposes not related to Illness for which Hospitalization has been done. 17. Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- X-Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring Hospitalization; (s) 18. Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness taken in in-patient department in hospital / day care centre and as certified by the attending Medical Practitioner; (t) 19. Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (u) 20. Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (v) 21. Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (w) 22. Any Claim directly or indirectly related to criminal acts; (x) Any expenses arising out of Domiciliary Hospitalization; (y) 23. Any treatment taken outside India; (z) 24. Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (aa) 25. Any consequential or indirect loss arising out of or related to Hospitalization; (bb) 26. Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (cc) 27. Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; (dd) 28. All non-medical expenses listed in Annexure III of the Policy. 29. Any OPD treatment will not be covered 30. Treatment and supplies for analysis and adjustments of spinal subluxation, diagnosis and treatment by manipulation of the skeletal structure; muscle stimulation by any means except treatment of fractures (excluding hairline fractures) and dislocations of the mandible and extremities. Page 10 Kotak Mahindra General Insurance Company Ltd., Kotak Health Premier UIN: KOTHLIP18089V011718 Policy Wording 31. Treatment for Age Related Macular Degeneration (ARMD), Treatment such as External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP), and Hyperbaric Oxygen Therapy will not be covered unless it forms a part of In-Patient Treatment in case of hospitalisation or part of discharge advice upto the Post hospitalisation period as specified in the Policy Schedule.

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (cb) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.C. A. P. D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-operatively; (dc) Expenses incurred on all dental treatment unless necessitated due to an Accident; (ed) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (fe) AcupressureAny naturopathy treatment, acupressure, acupuncture, magnetic and such other therapies; (gf) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (hg) Vaccination or inoculation of any kind, unless it is post animal bite; (ih) Sterility, venereal disease or any sexually transmitted disease; (ji) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (kj) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (lk) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (ml) Any reatmenttreatment/surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (nm) Any expenses incurred on treatment arising from or traceable to pregnancy (including voluntary termination of pregnancy, childbirth, miscarriage (unless caused due to accident)miscarriage, abortion or complications of any of these, including caesarean section) and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (on) Treatment relating to Congenital external External Anomalies; (po) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording; (qp) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (rq) Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- X-Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring HospitalizationHospitalisation; (sr) Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner; (ts) Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (ut) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (vu) Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (wv) Any Claim directly or indirectly related to criminal acts; (xw) Any expenses arising out of Domiciliary Hospitalization;Hospitalisation; unless covered under extension 'Domiciliary Hospitalisation cover’ (yx) Any treatment taken outside India; (zy) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (z) Any Illness or Injury resulting or arising from or occurring during the commission of continuing perpetration of a violation of law by the Insured Person with criminal intent; (aa) Expenses related to donor screening, treatment, including surgery to remove organs from a donor in the case of transplant surgery; unless covered under extension 'Donor Expenses'; Kotak Health Care UIN: IRDAI / HLT / KMGI / P - H / V.I / 28 / 2015 - 16 (bb) Non- allopathic treatment; unless covered under extension ‘Alternative treatment’ (cc) Any consequential or indirect loss arising out of or related to HospitalizationHospitalisation; (bbdd) Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (ccee) Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to by or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; (ddff) All non-medical expenses listed in Annexure III of the Policy liability under this Policy: (a) On the occurrence or discovery of any Illness or Injury that may give rise to a Claim under this Policy, the Claims Procedure set out below shall be followed; (b) The directions, advice and guidance of the treating Medical Practitioner shall be strictly followed. We shall not be obliged to make any payments that are brought about or contributed to as a consequence or failure to follow such directions, advice or guidance; (c) If requested by Us and at Our cost, the Insured Person must submit to medical examination by Our nominated Medical Practitioner as often as We consider reasonable and necessary and We/Our representatives must be permitted to inspect the medical and Hospitalisation records pertaining to the Insured Person's treatment and to investigate the facts surrounding the Claim; (d) We/Our representatives must be given all reasonable co- operation in investigating the claim in order to assess Our liability and quantum in respect of such Claim; (e) If the Insured Person suffers a relapse within 45 days of the date of discharge from Hospital for a Claim that has been made, then such Relapse shall be deemed to be part of the same Claim and all limits for Any One Illness under this Policy shall be applied as if they were part of a single claim.

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (cb) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.C. A. P. D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-intra- operatively; (dc) Expenses incurred on all dental treatment unless necessitated due to an Accident; (ed) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (fe) AcupressureAny naturopathy treatment, acupressure, acupuncture, magnetic and such other therapies; (gf) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (hg) Vaccination or inoculation of any kind, unless it is post animal bite; (ih) Sterility, venereal disease or any sexually transmitted disease; (ji) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (kj) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (lk) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (ml) Any reatmenttreatment/surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (nm) Any expenses incurred on treatment arising from or traceable to pregnancy (including voluntary termination of pregnancy, childbirth, miscarriage (unless caused due to accident)miscarriage, abortion or complications of any of these, including caesarean section) and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (on) Treatment relating to Congenital external External Anomalies; (po) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording; (qp) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (rq) Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- X-Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring HospitalizationHospitalisation; (sr) Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner; (ts) Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (ut) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (vu) Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (wv) Any Claim directly or indirectly related to criminal acts; (xw) Any expenses arising out of Domiciliary Hospitalization;Hospitalisation; unless covered under extension 'Domiciliary Hospitalisation cover' (yx) Any treatment taken outside India; (zy) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (z) Any Illness or Injury resulting or arising from or occurring during the commission of continuing perpetration of a violation of law by the Insured Person with criminal intent; (aa) Expenses related to donor screening, treatment, including surgery to remove organs from a donor in the case of transplant surgery; unless covered under extension 'Donor Expenses'; (bb) Non- allopathic treatment; unless covered under extension ‘Alternative treatment' (cc) Any consequential or indirect loss arising out of or related to Hospitalization;Hospitalisation; Kotak Health Care UIN: IRDAI / HLT / KMGI / P - H / V.I / 28 / 2015 - 16 (bbdd) Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (ccee) Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to by or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; (ddff) All non-medical expenses listed in Annexure III of the Policy 4. CLAIM ADMINISTRATION (a) On the occurrence or discovery of any Illness or Injury that may give rise to a Claim under this Policy, the Claims Procedure set out below shall be followed; (b) The directions, advice and guidance of the treating Medical Practitioner shall be strictly followed. We shall not be obliged to make any payments that are brought about or contributed to as a consequence or failure to follow such directions, advice or guidance; (c) If requested by Us and at Our cost, the Insured Person must submit to medical examination by Our nominated Medical Practitioner as often as We consider reasonable and necessary and We/Our representatives must be permitted to inspect the medical and Hospitalisation records pertaining to the Insured Person's treatment and to investigate the facts surrounding the Claim; (d) We/Our representatives must be given all reasonable co-operation in investigating the claim in order to assess Our liability and quantum in respect of such Claim; (e) If the Insured Person suffers a relapse within 45 days of the date of discharge from Hospital for a Claim that has been made, then such relapse shall be deemed to be part of the same Claim and all limits for Any One Illness under this Policy shall be applied as if they were part of a single claim.

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (c) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment Claim in respect of any kindInsured Person for, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-operatively; (d) Expenses incurred on all dental treatment unless necessitated due to an Accident; (e) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (f) Acupressure, acupuncture, magnetic and such other therapies; (g) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (h) Vaccination or inoculation of any kind, unless it is post animal bite; (i) Sterility, venereal disease or any sexually transmitted disease; (j) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (k) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (l) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated directly or indirectly due to Accident any of the following shall not be admissible unless expressly stated to the contrary elsewhere in the Policy terms and conditions. The following list of permanent exclusions is applicable to all the Benefits including Optional Benefits 1. Any item or as a part condition or treatment specified in List of Non-Medical Items (Annexure – II to Policy Terms & Conditions). 2. The Company shall not admit any Illness; (m) Any reatment/surgery Claim in respect of an Insured Person for change of sex or which involves treatment/surgery /complications/Illness arising as a consequence thereof; (n) Any expenses incurred on treatment arising from or traceable to pregnancy (including voluntary termination of pregnancy, childbirth, miscarriage (unless caused due to accident), abortion or complications of consultation in any of these, including caesarean section) and any fertility, infertility, sub fertility the hospitals as listed in Annexure – III to the Policy Terms & Conditions. 3. Treatments rendered by a Doctor who shares the same residence as an Insured Person or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapywho is a member of an Insured Persons’s family. 4. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (o) Treatment relating to Congenital external Anomalies; (p) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording (q) All expenses arising out of any Any condition directly or indirectly caused to by or associated with any sexually transmitted disease, including Genital Warts, Syphilis, Gonorrhoea, Genital Herpes, Chlamydia, Pubic Lice and Trichomoniasis, Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative mutants derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind;. 5. Any treatment arising from or traceable to pregnancy (r) including voluntary termination), miscarriage (unless due to an Accident), childbirth, maternity (including caesarian section), abortion or complications of any of these. 6. Any treatment arising from or traceable to any fertility, sterilization, birth control procedures, contraceptive supplies or services including complications arising due to supplying services or assisted reproductive technology. 7. Treatment taken from anyone who is not a Medical Practitioner or from a Medical Practitioner who is practicing outside the discipline for which he is licensed or any kind of self-medication. 8. Charges incurred at Hospital primarily for evaluative Treatment/Diagnosis in connection with eye, ear and dental and all other external appliances and/or devices whether for diagnosis or diagnostic treatment. 9. Unproven/Experimental or observation purposes for investigational treatments which no active treatment is given, X- Ray or laboratory examinations or other diagnostic studies, are not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness for which confinement is required at a Hospital. Any Illness or Injurytreatment which is a result or a consequence of undergoing such experimental or unproven treatment. 10. Expenses incurred (or Treatment undergone) on High Intensity Focused Ultra Sound, Balloon Sinuplasty, Enhanced External Counter Pulsation Therapy and related therapies. Deep Brain Simulation, Hyperbaric Oxygen Therapy, Robotic Surgery ((whether invasive or not requiring Hospitalization; (s) Expenses on supplementsnon-invasive), vitamins and tonics unless forming part Holmium Laser Enucleation of treatment for Injury or Illness as certified by the attending Medical Practitioner; (t) Weight management services and Prostate, KTP Laser surgeries, cyber knife treatment, vitamins and tonics Femto laser surgeries 11. Any expenses related to weight reduction programs including instruments used in treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndromeapnea syndrome and oxygen concentrator for asthmatic condition, cost of cochlear implants and related surgery. 12. Any treatment related to general debility, debility convalescence, runcure, rest cure, health hydros, nature cure clinics, sanatorium treatment, Rehabilitation measures, private duty nursing, respite care, long-down condition or rest cures; (u) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel term nursing care, custodial care or any other such purpose; (v) Experimental, unproven or non-standard treatment which in an establishment that is not consistent with a Hospital 13. Treatment of any external Congenital Anomaly or incidental Illness or defects or anomalies or treatment relating to the usual diagnosis and external birth defects. 14. Treatment of mental illness or psychological disorders or Xxxxxxxxx'x or Alzheimer's disease even if caused or aggravated by or related to an Accident or Illness. 15. Cosmetic surgery or plastic surgery or related treatment of any Illness description, including any complication arising from these treatments, other than as may be necessitated due to an Injury, cancer or Injury;xxxxx. (w) Any Claim directly or indirectly related to criminal acts; (x) Any expenses arising out of Domiciliary Hospitalization; (y) Any treatment taken outside India; (z) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner16. Any treatment charges / surgery for change of sex or fees charged by gender reassignments including any Medical Practitioner acting outside the scope complication arising from these treatments. 17. Circumcision unless necessary for treatment of licence an Illness or registration granted as may be necessitated due to him by any medical council;an Accident. 18. All preventive care (aaexcept eligible and entitled for Benefit 8: Cardiac Health Check-up and Optional Benefit 4: Active Health Check-up), Vaccination, including Inoculation and Immunizations (except in case of post-bite treatment), vitamins and tonics. 19. All expenses (or Treatment undergone) Any consequential or indirect loss arising out of or related to Hospitalization; (bb) Any Injury or Illness directly or indirectly caused by or arising from or attributable donor treatment including surgery to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (cc) Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or remove organs from the combustion donor, in case of nuclear fuel; (dd) All non-medical expenses listed in Annexure III of the Policytransplant surgery.

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (cb) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-intra- operatively; (dc) Expenses incurred on all dental treatment unless necessitated due to an AccidentAccident and treated as an in- patient; (ed) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (fe) AcupressureAny acupressure, acupuncture, magnetic and such other therapies; (gf) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (hg) Vaccination or inoculation of any kind, unless it is post animal bitebite and treated as an in-patient; (ih) Sterility, venereal disease or any sexually transmitted disease; (ji) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (kj) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (lk) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (ml) Any reatmenttreatment/surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (nm) Any expenses incurred on treatment arising from or traceable to pregnancy (including lawful voluntary termination of pregnancy, childbirth, miscarriage (unless miscarriage(unless caused due to accident), abortion or complications of any of these, including caesarean section) and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (on) Treatment relating to Congenital external Anomalies; (p) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording (qo) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (rp) Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- X-Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring Hospitalization;; v1 Page 10 Kotak Mahindra General Insurance Company Ltd. Kotak Group Smart Cash UIN: KOTHLGP19014V011819; Policy Wording (sq) Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner; (tr) Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (us) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (vt) Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (wu) Any Claim directly or indirectly related to criminal acts; (x) Any expenses arising out of Domiciliary Hospitalization; (yv) Any treatment taken outside India; (zw) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (x) Any Illness or Injury resulting or arising from or occurring during the commission of continuing perpetration of a violation of law by the Insured Person with criminal intent; (y) Non- allopathic treatment/ Alternative treatment (z) Domiciliary Hospitalisation (aa) Any consequential or indirect loss arising out of or related to Hospitalization; (bb) Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (cc) Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to by or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; (dd) All nonAny Injury, disease, illness, Hospitalization of Insured Person from 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 motorized vehicle or bicycle, caving or pot-medical expenses listed 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 Annexure III of any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which the Insured Person is untrained, unless specifically covered under the Policy. (ee) Any OPD treatment will not be covered (ff) Admission primarily for diagnostic purposes not related to Illness for which Hospitalization has been done. (gg) Medical supplies including elastic stockings, diabetic test strips, and similar products.

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (c) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-operatively; (d) Expenses incurred on all dental treatment unless necessitated due to an Accident; (e) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (f) Acupressure, acupuncture, magnetic and such other therapies; (g) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (h) Vaccination or inoculation of any kind, unless it is post animal bite; (i) Sterility, venereal disease or any sexually transmitted disease; (j) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (k) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (l) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (m) Any reatment/surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (n) Any expenses incurred on treatment arising from or traceable to pregnancy (including voluntary termination of pregnancy, childbirth, miscarriage (unless caused due to accident), abortion or complications of any of these, including caesarean section) and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (o) Treatment relating to Congenital external Anomalies; (p) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording. (q) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (r) Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring Hospitalization; (s) Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner; (t) Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (u) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (v) Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (w) Any Claim directly or indirectly related to criminal acts; (x) Any expenses arising out of Domiciliary Hospitalization; (y) Any treatment taken outside India; (z) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (aa) Any consequential or indirect loss arising out of or related to Hospitalization; (bb) Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (cc) Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; (dd) All non-medical expenses listed in Annexure III of the Policy.

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (cb) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-intra- operatively; (dc) Expenses incurred on all dental treatment unless necessitated due to an AccidentAccident and treated as an in- patient; (ed) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (fe) AcupressureAny acupressure, acupuncture, magnetic and such other therapies; (gf) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (hg) Vaccination or inoculation of any kind, unless it is post animal bitebite and treated as an in-patient; (ih) Sterility, venereal disease or any sexually transmitted disease; (ji) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (kj) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (lk) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (ml) Any reatmenttreatment/surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (nm) Any expenses incurred on treatment arising from or traceable to pregnancy (including lawful voluntary termination of pregnancy, childbirth, miscarriage (unless miscarriage(unless caused due to accident), abortion or complications of any of these, including caesarean section) and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (on) Treatment relating to Congenital external Anomalies; (p) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording (qo) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (rp) Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- X-Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring Hospitalization; (sq) Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner; (tr) Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (us) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (vt) Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (wu) Any Claim directly or indirectly related to criminal acts; (x) Any expenses arising out of Domiciliary Hospitalization; (yv) Any treatment taken outside India; (zw) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (x) Any Illness or Injury resulting or arising from or occurring during the commission of continuing perpetration of a violation of law by the Insured Person with criminal intent; (y) Non- allopathic treatment/ Alternative treatment (z) Domiciliary Hospitalisation (aa) Any consequential or indirect loss arising out of or related to Hospitalization; (bb) Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (cc) Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to by or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; (dd) All nonAny Injury, disease, illness, Hospitalization of Insured Person from 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 motorized vehicle or bicycle, caving or pot-medical expenses listed 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 Annexure III of any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which the Insured Person is untrained, unless specifically covered under the Policy. (ee) Any OPD treatment will not be covered (ff) Admission primarily for diagnostic purposes not related to Illness for which Hospitalization has been done. (gg) Medical supplies including elastic stockings, diabetic test strips, and similar products.

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (c) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment Claim in respect of any kindInsured Person for, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-operatively; (d) Expenses incurred on all dental treatment unless necessitated due to an Accident; (e) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (f) Acupressure, acupuncture, magnetic and such other therapies; (g) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (h) Vaccination or inoculation of any kind, unless it is post animal bite; (i) Sterility, venereal disease or any sexually transmitted disease; (j) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (k) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (l) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated directly or indirectly due to Accident any of the following shall not be admissible unless expressly stated to the contrary elsewhere in the Policy terms and conditions. a) The following list of permanent exclusions is applicable to all the Benefits including Optional Benefits 1. Any item or as a part condition or treatment specified in List of Non-Medical Items (Annexure – II to Policy Terms & Conditions). 2. The Company shall not admit any Illness; (m) Any reatment/surgery Claim in respect of an Insured Person for change of sex or which involves treatment/surgery /complications/Illness arising as a consequence thereof; (n) Any expenses incurred on treatment arising from or traceable to pregnancy (including voluntary termination of pregnancy, childbirth, miscarriage (unless caused due to accident), abortion or complications of consultation in any of these, including caesarean section) and any fertility, infertility, sub fertility the hospitals as listed in Annexure – III to the Policy Terms & Conditions. 3. Treatments rendered by a Doctor who shares the same residence as an Insured Person or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapywho is a member of an Insured Persons’s family. 4. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (o) Treatment relating to Congenital external Anomalies; (p) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording (q) All expenses arising out of any Any condition directly or indirectly caused to by or associated with any sexually transmitted disease, including Genital Warts, Syphilis, Gonorrhoea, Genital Herpes, Chlamydia, Pubic Lice and Trichomoniasis, Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative mutants derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind;. 5. Any treatment arising from or traceable to pregnancy (r) including voluntary termination), miscarriage (unless due to an Accident), childbirth, maternity (including caesarian section), abortion or complications of any of these. This exclusion will not apply to ectopic pregnancy. 6. Any treatment arising from or traceable to any fertility, sterilization, birth control procedures, contraceptive supplies or services including complications arising due to supplying services or Assisted Reproductive Technology. 7. Treatment taken from anyone who is not a Medical Practitioner or from a Medical Practitioner who is practicing outside the discipline for which he is licensed or any kind of self-medication. 8. Charges incurred at Hospital primarily (or Treatment undergone) in connection with routine eye examinations and ear examinations, dentures, artificial teeth and all other similar external appliances and / or devices whether for evaluative diagnosis or diagnostic treatment. 9. Unproven/Experimental or observation purposes for investigational treatments which no active treatment is given, X- Ray or laboratory examinations or other diagnostic studies, are not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness for which confinement is required at a Hospital. Any Illness or Injurytreatment which is a result or a consequence of undergoing such experimental or unproven treatment. 10. Expenses incurred (or Treatment undergone) on High Intensity Focused Ultra Sound, Balloon Sinuplasty, Enhanced External Counter Pulsation Therapy and related therapies. Deep Brain Simulation, Hyperbaric Oxygen Therapy, Robotic Surgery ((whether invasive or not requiring Hospitalization; (s) Expenses on supplementsnon-invasive), vitamins and tonics unless forming part Holmium Laser Enucleation of treatment for Injury or Illness as certified by the attending Medical Practitioner; (t) Weight management services and Prostate, KTP Laser surgeries, cyber knife treatment, vitamins and tonics Femto laser surgeries, bioabsorbable stents. 11. Any expenses related to weight reduction programs including instruments used in treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndromeapnea syndrome and oxygen concentrator for asthmatic condition, cost of cochlear implants and related surgery. 12. Any treatment related to general debility, debility convalescence, runcure, rest cure, health hydros, nature cure clinics, sanatorium treatment, Rehabilitation measures, private duty nursing, respite care, long-down condition or rest cures; (u) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel term nursing care, custodial care or any other such purpose; (v) Experimental, unproven or non-standard treatment which in an establishment that is not consistent with a Hospital 13. Treatment of any external Congenital Anomaly or incidental Illness or defects or anomalies or treatment relating to the usual diagnosis and external birth defects. 14. Treatment of mental illness or psychological disorders or Xxxxxxxxx'x or Alzheimer's disease even if caused or aggravated by or related to an Accident or Illness. 15. Cosmetic surgery or plastic surgery or related treatment of any Illness description, including any complication arising from these treatments, other than as may be necessitated due to an Injury, cancer or Injury;xxxxx. (w) Any Claim directly or indirectly related to criminal acts; (x) Any expenses arising out of Domiciliary Hospitalization; (y) Any treatment taken outside India; (z) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner16. Any treatment charges / surgery for change of sex or fees charged by gender reassignments including any Medical Practitioner acting outside the scope complication arising from these treatments. 17. Circumcision unless necessary for treatment of licence an Illness or registration granted as may be necessitated due to him by any medical council;an Accident. 18. All preventive care (aaexcept eligible and entitled for Benefit 9: Annual Health Check-up), Vaccination, including Inoculation and Immunizations (except in case of post-bite treatment), vitamins and tonics. 19. All expenses (or Treatment undergone) Any consequential or indirect loss arising out of or related to Hospitalization;donor treatment including surgery to remove organs from the donor, in case of transplant surgery. 20. Non-Allopathic Treatment or treatment related to any unrecognized systems of medicine. 21. War (bbwhether declared or not) Any Injury and war like occurrence or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not)hostilities, civil war, commotion, unrest, rebellion, revolutionrevolutions, insurrectioninsurrections, mutiny, military or usurped power or confiscation or nationalisation or requisition power, seizure, capture, arrest, restraints and detainment of or damage by or under the order of any government or public local authority;all kinds. (cc) 22. Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to resulting or arising from ionising radiation or contamination occurring during commission of any breach of any law by radioactivity by the Insured Person with any criminal intent. 23. Act of self-destruction or self-inflicted Injury, attempted suicide or suicide while sane or insane or Illness or Injury attributable to consumption, use, misuse or abuse of intoxicating drugs, alcohol ,tobacco(smoking/non -smoking)or hallucinogens. 24. Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense. For the purpose of this exclusion: a. Nuclear attack or weapons means the use of any nuclear weapon or device or waste or combustion of nuclear fuel or from the emission, discharge, dispersal, release or escape of fissile/ fusion material emitting a level of radioactivity capable of causing any nuclear waste Illness, incapacitating disablement or from death. b. Chemical attack or weapons means the combustion emission, discharge, dispersal, release or escape of nuclear fuelany solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing any Illness, incapacitating disablement or death. c. Biological attack or weapons means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organisms and/or biologically produced toxins (including genetically modified organisms and chemically synthesized toxins) which are capable of causing any Illness, incapacitating disablement or death. 25. Impairment of an Insured Person’s intellectual faculties by abuse of stimulants or depressants. 26. Alopecia wigs and/or toupee and all hair or hair fall treatment and products. 27. Any treatment taken in a clinic, rest home, convalescent home for the addicted, detoxification center, sanatorium, home for the aged, mentally disturbed, remodeling clinic or similar institutions. 28. Stem cell implantation/surgery and storage except for allogeneic bone marrow transplantation 29. All the Hazardous Activities 30. Taking part or is supposed to participate in a naval, military, air force operation or aviation in a professional or semi-professional nature. 31. Remicade, Avastin or similar injectable treatment not requiring 24 hour hospitalization. 32. Oral Chemotherapy. 33. Treatment sought for any medical condition, not covered under the Benefit but arising during the Hospitalization for the condition covered under the Benefit. b) Additional Exclusions applicable to any Claim under the Optional Benefit 6 ‘Additional Sum Insured due to Accidental Hospitalization’ 1. The Insured Person operating or learning to operate any aircraft or performing duties as a Person of a crew on any aircraft or Scheduled Airline or any airline personnel; 2. The Insured Person flying in an aircraft other than as a fare paying passenger in a Scheduled Airline; 3. Participation in actual or attempted felony, riots, civil commotion or criminal misdemeanor; 4. The Insured Person engaging in sporting activities in so far as they involve the training for or participation in competitions of professional sports; 5. The Insured Person working in or with mines, tunneling or explosives or involving electrical installation with high tension supply or conveyance testing or oil rigs work or ship crew services or as jockeys or circus personnel or aerial photography; 6. Persons whilst working with in activities like racing on wheels or horseback, winter sports, canoeing involving white water rapids, any bodily contact sport; 7. Resulting due to any disease or infection except where such condition arises directly as a consequence of an accident during the Policy Year; 8. Infections (ddexcept pyogenic infection which occurs through an Accidental cut or wound); 9. As a result of any curative treatments or interventions that the Insured Person has carried out or have carried out on the Insured Person’s body. c) Additional Exclusions applicable to any Claim for the Covered Condition related to Operation Mediclaim Plan: 1. All non-medical expenses listed OPD based procedures not requiring day care/hospitalization 2. Any Surgery done for diagnostic/investigative purpose except in Annexure III case of Pre and Post Hospitalization Note to ‘Permanent Exclusions’: In addition to the Policyforegoing, any loss, claim or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, suppressing, minimizing or in any way relating to the above Permanent Exclusions shall also be excluded.

Permanent Exclusions. (a) Up We will not be liable under any circumstances, for any Claim in connection with or with regard to Deductible amount mentionedany of the following permanent exclusions as specified below: (b) 1. Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (c) 2. Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea apnea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-operatively; (d) Expenses incurred on all dental treatment unless necessitated due to an Accident; (e) 3. Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services, medical supplies including elastic stockings, diabetic test strips, and similar products. 4. Expenses incurred on all dental treatment unless necessitated due to an Accident and treatment is taken in in-patient department of hospital or day care centre; (f) 5. Acupressure, acupuncture, magnetic and such other therapies; (g) 6. Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (h) 7. Vaccination or inoculation of any kind, unless it is post animal bitebite and there is hospitalisation as an in-patient; (i) 8. Sterility, venereal disease or any sexually transmitted disease; (j) 9. Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (k) 10. Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (l) 11. Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (m) 12. Any reatmenttreatment/surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (n) 13. Any expenses incurred on treatment arising from or traceable to pregnancy ([including voluntary termination of pregnancy, childbirth, miscarriage (unless caused due to accident), abortion or complications of any of these, including caesarean cesarean section) ] and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (o) 14. Treatment relating to Congenital external Anomalies; (p) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells15. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording (q) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (r) 16. Admission primarily for diagnostic purposes not related to Illness for which Hospitalization has been done. 17. Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- X-Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring Hospitalization; (s) 18. Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness taken in in-patient department in hospital / day care centre and as certified by the attending Medical Practitioner; (t) 19. Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (u) 20. Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (v) 21. Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (w) 22. Any Claim directly or indirectly related to criminal acts; (x) Any expenses arising out of Domiciliary Hospitalization; (y) 23. Any treatment taken outside India; (z) 24. Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (aa) 25. Any consequential or indirect loss arising out of or related to Hospitalization; (bb) 26. Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (cc) 27. Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; (dd) 28. All non-medical expenses listed in Annexure III of the Policy. 29. Any OPD treatment will not be covered 30. Treatment and supplies for analysis and adjustments of spinal subluxation, diagnosis and treatment by manipulation of the skeletal structure; muscle stimulation by any means except treatment of fractures (excluding hairline fractures) and dislocations of the mandible and extremities. 31. Treatment for Age Related Macular Degeneration (ARMD), Treatment such as External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP), and Hyperbaric Oxygen Therapy will not be covered unless it forms a part of In-Patient Treatment in case of hospitalisation or part of discharge advice upto the Post hospitalisation period as specified in the Policy Schedule.

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (cb) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-operatively; (dc) Expenses incurred on all dental treatment unless necessitated due to an Accident; (ed) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (fe) AcupressureAny acupressure, acupuncture, magnetic and such other therapies; (gf) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (hg) Vaccination or inoculation of any kind, unless it is post animal bite; (ih) Sterility, venereal disease or any sexually transmitted disease; (ji) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (kj) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (lk) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (ml) Any reatmenttreatment/surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (nm) Any expenses incurred on treatment arising from or traceable to pregnancy (including lawful voluntary termination of pregnancy, childbirth, miscarriage (unless miscarriage(unless caused due to accident), abortion or complications of any of these, including caesarean section) and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (on) Treatment relating to Congenital external Anomalies; (po) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording. (qp) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-T- Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (rq) Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- X-Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring Hospitalization; (sr) Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner; (ts) Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (ut) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (vu) Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (wv) Any Claim directly or indirectly related to criminal acts; (x) Any expenses arising out of Domiciliary Hospitalization; (yw) Any treatment taken outside India; (zx) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (y) Any Illness or Injury resulting or arising from or occurring during the commission of continuing perpetration of a violation of law by the Insured Person with criminal intent; (z) Non- allopathic treatment; unless covered under ‘Alternative treatment’ (aa) Any consequential or indirect loss arising out of or related to Hospitalization; (bb) Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority;; Page 10 of 23 Kotak Mahindra General Insurance Company Ltd. Kotak Group Health Care UIN: IRDAI/HLT/KMGI/P–H (G) / V.I / 58 /2016 - 17; Policy Wordings (cc) Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to by or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; (dd) Any Injury, disease, illness, Hospitalization of Insured Person from 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 motorized 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 Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which the Insured Person is untrained, unless specifically covered under the Policy. (ee) All non-medical expenses listed in Annexure III of the Policy. (ff) Any OPD treatment will not be covered (gg) Admission primarily for diagnostic purposes not related to Illness for which Hospitalization has been done. (hh) Medical supplies including elastic stockings, diabetic test strips, and similar products.

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (cb) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-operatively; (dc) Expenses incurred on all dental treatment unless necessitated due to an Accident; (ed) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (fe) AcupressureAny acupressure, acupuncture, magnetic and such other therapies; (gf) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (hg) Vaccination or inoculation of any kind, unless it is post animal bite; (ih) Sterility, venereal disease or any sexually transmitted disease; (ji) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (kj) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (lk) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (ml) Any reatmenttreatment/surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (nm) Any expenses incurred on treatment arising from or traceable to pregnancy (including lawful voluntary termination of pregnancy, childbirth, miscarriage (unless miscarriage(unless caused due to accident), abortion or complications of any of these, including caesarean section) and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (on) Treatment relating to Congenital external Anomalies; (po) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording. (qp) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-T- Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (rq) Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- X-Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring Hospitalization; (sr) Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner; (ts) Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (ut) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (vu) Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (wv) Any Claim directly or indirectly related to criminal acts; (x) Any expenses arising out of Domiciliary Hospitalization; (yw) Any treatment taken outside India; (zx) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (y) Any Illness or Injury resulting or arising from or occurring during the commission of continuing perpetration of a violation of law by the Insured Person with criminal intent; (z) Non-allopathic treatment; unless covered under ‘Alternative treatment’ (aa) Any consequential or indirect loss arising out of or related to Hospitalization; (bb) Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (cc) Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to by or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; (dd) Any Injury, disease, illness, Hospitalization of Insured Person from 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 motorized 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 Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which the Insured Person is untrained, unless specifically covered under the Policy. (ee) All non-medical expenses listed in Annexure III of the Policy. (ff) Any OPD treatment will not be covered (gg)Admission primarily for diagnostic purposes not related to Illness for which Hospitalization has been done. (hh)Medical supplies including elastic stockings, diabetic test strips, and similar products.

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (cb) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-intra- operatively; (dc) Expenses incurred on all dental treatment unless necessitated due to an AccidentAccident and treated as an in-patient; (ed) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (fe) AcupressureAny acupressure, acupuncture, magnetic and such other therapies; (gf) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (hg) Vaccination or inoculation of any kind, unless it is post animal bitebite and treated as an in-patient; (ih) Sterility, venereal disease or any sexually transmitted disease; (ji) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (kj) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (lk) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (ml) Any reatment/treatment/ surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (nm) Any expenses incurred on treatment arising from or traceable to pregnancy (including lawful voluntary termination of pregnancy, childbirth, miscarriage (unless miscarriage(unless caused due to accident), abortion or complications of any of these, including caesarean section) and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (on) Treatment relating to Congenital external Anomalies; (p) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording (qo) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-T- Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (rp) Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- X-Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring Hospitalization; (sq) Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner; (tr) Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (us) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (vt) Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (wu) Any Claim directly or indirectly related to criminal acts; (x) Any expenses arising out of Domiciliary Hospitalization; (yv) Any treatment taken outside India; (zw) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (x) Any Illness or Injury resulting or arising from or occurring during the commission of continuing perpetration of a violation of law by the Insured Person with criminal intent; (y) Non- allopathic treatment/ Alternative treatment (z) Domiciliary Hospitalisation (aa) Any consequential or indirect loss arising out of or related to Hospitalization; (bb) Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (cc) Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to by or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; ; Page 9 Kotak Mahindra General Insurance Company Ltd., Kotak Group Hospital Cash UIN: KOTHLGP18025V011718 Policy Wording (dd) All nonAny Injury, disease, illness, Hospitalization of Insured Person from 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 motorized vehicle or bicycle, caving or pot-medical expenses listed 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 Annexure III of any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which the Insured Person is untrained, unless specifically covered under the Policy.

Permanent Exclusions. (a) Up to Deductible amount mentioned (b) Costs of routine medical, eye or ear examinations preventive health check-ups, spectacles, laser surgery for correction of refractory errors, contact lenses, hearing aids, dentures or artificial teeth; (cb) Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, crutches, instruments used in treatment of sleep apnoea syndrome or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for bronchial asthmatic condition, cost of cochlear implant(s) unless necessitated by an Accident or required intra-intra- operatively; (dc) Expenses incurred on all dental treatment unless necessitated due to an Accident; (ed) Any expenses incurred on personal comfort, cosmetics, convenience and hygiene related items and services; (fe) AcupressureAny naturopathy treatment, acupressure, acupuncture, magnetic and such other therapies; (gf) Circumcision unless necessary for treatment of an Illness or necessitated due to an Accident; (hg) Vaccination or inoculation of any kind, unless it is post animal bite;; Page 10; Kotak Mahindra General Insurance Company Ltd. Kotok Group Health Care - Micro Insurance UIN: KOTHMGP073V011819; Policy Wordings (ih) Sterility, venereal disease or any sexually transmitted disease; (ji) Intentional self-injury (whether arising from an attempt to commit suicide or otherwise) and Injury or Illness due to use, misuse or abuse of intoxicating drugs or alcohol; (kj) Any expenses incurred on treatment of mental Illness, stress, psychiatric or psychological disorders; (lk) Any aesthetic treatment, cosmetic surgery or plastic surgery including any complications arising out of or attributable to these, unless necessitated due to Accident or as a part of any Illness; (ml) Any reatmenttreatment/surgery for change of sex or treatment/surgery /complications/Illness arising as a consequence thereof; (nm) Any expenses incurred on treatment arising from or traceable to pregnancy (including lawful voluntary termination of pregnancy, childbirth, miscarriage (unless caused due to accident)miscarriage, abortion or complications of any of these, including caesarean section) and any fertility, infertility, sub fertility or assisted conception treatment or sterilization or procedure, birth control procedures and hormone replacement therapy. However, this exclusion does not apply to ectopic pregnancy proved by diagnostic means and which is certified to be life threatening by the Medical Practitioner; (on) Treatment relating to Congenital external Anomalies; (po) Genetic disorder (not relating to internal congenital conditions) and stem cell implantation/surgery, harvesting, storage or any kind of treatment using stem cells. Page 5 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording. (qp) All expenses arising out of any condition directly or indirectly caused to or associated with Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind; (rq) Charges incurred at Hospital primarily for evaluative or diagnostic or observation purposes for which no active treatment is given, X- X-Ray or laboratory examinations or other diagnostic studies, not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, whether or not requiring Hospitalization; (sr) Expenses on supplements, vitamins and tonics unless forming part of treatment for Injury or Illness as certified by the attending Medical Practitioner; (ts) Weight management services and treatment, vitamins and tonics related to weight reduction programs including treatment of obesity (including morbid obesity), any treatment related to sleep disorder or sleep apnoea syndrome, general debility, convalescence, run-down condition or rest cures; (ut) Costs incurred for any health check-up or for the purpose of issuance of medical certificates and examinations required for employment or travel or any other such purpose; (vu) Experimental, unproven or non-standard treatment which is not consistent with or incidental to the usual diagnosis and treatment of any Illness or Injury; (wv) Any Claim directly or indirectly related to criminal acts; ; (x) Any expenses arising out of Domiciliary Hospitalization; (y) Any w)Any treatment taken outside India; (zx) Any treatment taken from anyone not falling within the scope of definition of Medical Practitioner. Any treatment charges or fees charged by any Medical Practitioner acting outside the scope of licence or registration granted to him by any medical council; (y) Any Illness or Injury resulting or arising from or occurring during the commission of continuing perpetration of a violation of law by the Insured Person with criminal intent; (z) Non- allopathic treatment; unless covered under ‘Alternative treatment’ (aa) Any consequential or indirect loss arising out of or related to Hospitalization; (bb) Any Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion, unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition of or damage by or under the order of any government or public local authority; (cc) Any Illness or Injury directly or indirectly caused by or contributed to by nuclear weapons/materials or contributed to by or arising from ionising radiation or contamination by radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; (dd) Any Injury, disease, illness, Hospitalization of Insured Person from 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 motorized 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 Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which the Insured Person is untrained, unless specifically covered under the Policy. (ee) All non-medical expenses listed in Annexure III of the Policy. (ff) Any OPD treatment will not be covered (gg) Admission primarily for diagnostic purposes not related to Illness for which Hospitalization has been done. (hh) Medical supplies including elastic stockings, diabetic test strips, and similar products.