There are four important types of exclusions in a Mediclaim policy they are:
Number of members and relations to be covered- Because this will be the basis of buying policy.
Type of coverage – Individual, Family floater or group.
Sum insured or coverage amount – Ensure that you consider future expenses too.
Room rent – Check for the capping amount or criteria defined if applicable.
Sub-limits or co-pay applicable – Check for the sub-limits applicable for some specific list of ailments or package treatments. Also check if the plan has co-pay feature.
Network hospital list – Check for the list of network hospitals and try buying a policy which covers your regular hospital.
Policy wording – Most important thing to check before buying a policy. In case you are not sure about certain term or condition you can always contact the insurer for clarification.