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

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*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

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    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

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    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.

    Written By: PolicyBazaar - Updated: 09 July 2021

    Health insurance articles

    Recent Articles
    Popular Articles
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Does Your Health Insurance Remain Valid If You Move Abroad?

    30 Sep 2021

    Health insurance is one of the best investments that you can make...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL