Exclusions of Health Insurance Policy

The policyholder must go through all the exclusions carefully before purchasing any Insurance Policy to get prepared during any emergency situation. There are some common and permanent exclusions about which a policyholder must be aware.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “CONTINUE”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step

      Rushing towards a policy without going through its exclusions can land you up in trouble when you are in need. Health insurance policies have certain exclusions which every policyholder must know before buying any plan.

      A single policy doesn't cover every aspect related to your health like accidents, diseases, risks, etc. Every insurance policy has its limitations and choosing the one which covers your requirements is an art. Exclusions are not standard for all policies but there are some which the policyholder needs to know before purchasing health insurance.

       

      Pre-Existing Diseases

      If the policyholder is already suffering from any disease then it will be counted in pre-existing diseases which are not covered as Insurance is done for uncertain things. There will be a waiting period of 2-4 years or more depending upon the type of disease & its risk if the insurer agrees to cover it. Pre-existing diseases like cataract, kidney stones, arthritis, few chronic diseases, joints treatment and more are some which could be excluded.

      Waiting Clause

      Except for accidents and deaths, most of the policies do not give coverage immediately even for those diseases which are not excluded. There will be a waiting period of 1-2 months only after which you will get the benefits of the policy.

      Pregnancy

      Costs like pregnancy, child birth, vaccination and likewise could not be covered under your policy. Pregnancy could also have a waiting period of 1-2 years. You can receive decent benefits if you are planning for a child after this waiting period.

      Surgeries

      Surgeries such as joint replacement, cosmetic surgery, dental surgery, are usually not covered in a health insurance policy.

      Alternative Treatment

      Homeopathy, Ayurveda and related are alternative treatment procedures which are in the exclusions list of a lot of health insurance policies. Only Allopathic treatment would not be excluded.

      Hospital costs

      Hospital costs could be in restrictions form like sub-limits on room rent, doctor fees, ambulance cost, etc. Check all these exclusions and limits in the policy document to remain prepared in any emergency situation.

      Permanent exclusions

      There could be some permanent exclusion like injuries in war, HIV, intentional injuries, congenial diseases, etc.

      Over to you!

      Before buying any insurance policy, you must go through the exclusions carefully. Only after that you should choose a policy which has least exclusions and which best suits your requirements.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Monkeypox: Dos and Don’ts of the Disease That You Should Know

      15 Sep 2022

      Monkeypox has slowly and steadily spread to more than 85 countries...
      Read more
      Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

      06 Sep 2022

      As we grow old, the chances of developing a disease or a medical...
      Read more
      Benefits of Multi-Year Health Insurance Plans

      25 Aug 2022

      Ever since COVID-19 entered our lives, health insurance has come...
      Read more
      Does Health Insurance Cover Monkeypox?

      25 Jul 2022

      Monkeypox is the latest disease to make its way to India while we...
      Read more
      List of Diseases Covered by Bajaj Allianz Health Insurance Plans

      05 Jul 2022

      Barely any person has remained unaffected due to rising health...
      Read more
      PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
      Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
      Read more
      Best Health Insurance Plans in India 2022
      Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
      Read more
      Best Maternity Insurance Plans
      Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
      Read more
      Best Health Insurance Plans for Senior Citizens in 2022
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL