Any treatment related to Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism, Spinal Disorders(unless caused by accident), Joint Replacement Surgery(unless caused by accident), Arthroscopic Knee Surgeries/ACL Reconstruction/Meniscal and Ligament Repair

Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal Septum Deviation, Sinusitis and related disorders

Benign Prostatic Hypertrophy

Cataract

Dilatation and Curettage

Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers

Surgery of Genito-urinary system unless necessitated by malignancy

All types of Hernia & Hydrocele

Hysterectomy for menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy

Internal tumours, skin tumours, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant

Kidney Stone / Ureteric Stone / Lithotripsy / Gall Bladder Stone

Myomectomy for fibroids

Varicose veins and varicose ulcers

Genetic disorders

Parkinson's or Alzheimer's disease or Dementia;