In a standard mediclaim policy certain diseases are not payable in the first year of insurance cover. These diseases are payable after a 12 month of continuous cover, if they were not contracted before the commencement of the policy. These diseases are Cataract, Benign Prostatic hypertrophy, Hysterectomy for menorrhegia or fibromioma, hernia, hydrocele, congenital internal diseases, fishula in anus, piles, sinusitis and related disorders.