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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.

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.

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