Specific Waiting Periods. For all Insured Persons who are above 45 years of Age as on the date of inception of the First Policy with Us, the medical conditions and/or surgical treatment listed below will be subject to a Waiting Period of 24 months unless the condition is directly caused by cancer (as defined in Section 12.76.a) or an Accident and will be covered in the third Policy Year as long as the Insured Person has been insured continuously under the Policy without any break:
a. Pancreatitis and Stones in Biliary and Urinary System, b. Cataract, Glaucoma and other disorders of lens, disorders of Retina, c. Hyperplasia of Prostate, Hydrocele and spermatocele,
Specific Waiting Periods. The medical conditions and/or surgical treatment listed below will be subject to a Waiting Period of 24 months unless the condition is directly caused by Cancer or an Accident and will be covered in the third Policy Year as long as the Insured Person has been insured continuously under the Policy without any break:
a. Pancreatitis and Stones in Biliary and Urinary System, b. Cataract, Glaucoma and other disorders of lens, disorders of Retina, c. Hyperplasia of Prostate, Hydrocele and spermatocele,
Specific Waiting Periods. For all Insured Persons who are above 45 years of Age as on the date of inception of the First Policy with Us, the medical conditions and/or surgical treatment listed below will be subject to a Waiting Period of 24 months unless the condition is directly caused by cancer (as defined in Section 12.76.a) or an Accident and will be covered in the third Policy Year as long as the Insured Person has been insured continuously under the Policy without any break:
a. Pancreatitis and Stones in Biliary and Urinary System,
b. Cataract, Glaucoma and other disorders of lens, disorders of Retina,
c. Hyperplasia of Prostate, Hydrocele and spermatocele,
d. Abnormal Utero-vaginal bleeding, female genital Prolapse, Endometriosis/Adenomyosis, Fibroids, PCOD, or any condition requiring dilation and curettage or Hysterectomy,
e. Hemorrhoids, Fissure or Fistula or Abscess of anal and rectal region,
f. Hernia of all sites,
g. Osteoarthritis, Systemic Connective Tissue disorders, Dorsopathies, Spondylopathies, inflammatory Polyarthropathies, Arthrosis such as RA, Gout, Intervertebral Disc disorders,
Specific Waiting Periods. The medical conditions and/or surgical treatment listed below will be subject to a Waiting Period of 24 months unless the condition is directly caused by Cancer (covered after Initial Waiting Period of 30 days) or an Accident (covered from day 1) and will be covered in the third Policy Year as long as the Insured Person has been insured continuously under the Policy without any break:
a. Pancreatitis and Stones in biliary and urinary System
b. Cataract, Glaucoma and other disorders of lens, disorders of retina c. Hyperplasia of prostate, hydrocele and spermatocele
