Clarification required on HDFC ERGO Optima Secure
I'm looking at the Specific Exclusions section in HDFC Ergo Optima Secure Health Insurance. Request group members to provide more information as to what the below statements mean??
1) Expenses related to external birth diseases, defects or anomalies
2) Treatment related to spinal injuries, skeletal structure, muscle stimulation, except treatment of fractures (excluding hairline fractures)
What are external birth diseases or anamolies that are mentioned here?
Also point 2 talks abt spinal injuries and hairline fractures. Are these not covered by the health Insurance?
Page 17 of the Policy Wordings available in the link below. https://www.hdfcergo.com/docs/default-source/downloads/policy-wordings/health/optima-secure-revision-pw.pdf