If your disability falls under an exclusion in your short term disability insurance policy, here are some steps you can take:

1. Review Your Policy: Carefully read through your insurance policy to understand the specific exclusions and the reasons why your disability is not covered.
2. Consult Your Insurance Provider: Contact your insurance provider to discuss your situation. They may offer additional options or clarify any misunderstandings regarding the exclusions.
3. Seek Legal Advice: If you believe your claim has been unfairly denied, consider consulting with a legal expert who specializes in insurance claims. They can help you understand your rights and explore possible legal actions.
4. Explore Other Insurance Options: Look into other types of insurance policies that might cover your specific disability. For example, long term disability insurance or critical illness insurance might provide the coverage you need.
5. Government Assistance Programs: In India, there are various government assistance programs and schemes for individuals with disabilities. You can explore options under the Rights of Persons with Disabilities (RPwD) Act, 2016, which provides for social security, healthcare, and other benefits.
6. Employer Support: Check if your employer offers any additional support or benefits for employees with disabilities. Some employers provide supplemental disability insurance or other forms of assistance.
7. Community Resources: Reach out to local disability support organizations and community resources. They can provide guidance, support, and information on available assistance programs.

By taking these steps, you can explore alternative options and ensure you receive the support you need during your disability.