Query regarding Modern Treatment coverage
I was recently going through two policies: (1) HDFC ERGO My Health Suraksha and (2) Star Family Health Optima. Modern Treatment coverage is clearly mentioned in the Star policy with respective sub-limits. However, the HDFC ERGO policy has no mention of Modern Treatment coverage and I found Stem Cell harvesting as a procedure that is permanently excluded. As far as I know, IRDA has mandated all indemnity based health policies to cover Modern Treatments. Why then does the HDFC policy make no mention of this even though their other policy Optima Restore has it clearly mentioned. I want to know if My Health Suraksha has Modern Treatment coverage or not. Thank you.