7 Health Insurance Exclusions You Should Know About

1
7 Health Insurance Exclusions You Should Know
About
2
Health insurance is a type of agreement in which
the insurance company agrees to undertake the
medical expenses of the insured in case the
insured falls ill or meets an accident. Most of
the time, insurance companies have tie-ups with
multiple hospitals. Nowadays, buying health
insurance is incredibly important because of the
increasing costs of medical care, especially in
private hospitals.
3
Here are 7 health insurance exclusions that you
should be aware of Diseases which are
pre-existing- Health insurance policies mainly
cover things that are uncertain such as accidents
or death. If the insured is already suffering
from a disease or some pre-existing condition
before buying the insurance plan, then they will
not be eligible to take the help of their
insurance policy.
4
Cosmetic surgery- Cosmetic surgery is usually
done to alter the appearance of an individual.
Thus, not all cosmetic surgeries are covered in
the insurance plan. However, if the insured needs
cosmetic surgery following a serious accident,
then the policy might cover it.
5
Permanent exclusions- Conditions that might be
caused by any sexually transmitted disease, AIDS,
ayurvedic or homeopathic treatments, injury in
war, treatments for any mental disorder such has
depression, sex change operations, treatment for
self-destruction acts or suicide, etc.
6
Pregnancy- Unless you are planning on having a
child after a waiting period of 1-2 years, costs
of pregnancy, childbirth, vaccinations, and other
costs will not be covered in the health
insurance policy. However, after the waiting
period, you can get nice benefits.
7
Surgeries- Surgeries that are not due to an
accident or injury are not covered by the health
insurance policy. These surgeries include joint
replacement, cosmetic surgery, dental surgeries,
etc.
8
Waiting clause- Most policies do not even
immediately cover the diseases which are not
excluded. There is always a waiting period of 1-2
months, after which you will get the benefits of
the policy. The only time policies give coverage
immediately is in the case of an accident or in
the case of death.
9
Hospital costs- There are some restrictions like
sub-limits in health insurance policies when it
comes to hospital costs. They do not offer
coverage for the room rent, doctor fees, etc.
10
It is important for the policy-holder to go
through all the exclusions very carefully before
buying the health insurance policy to avoid
getting stuck in an emergency. Most exclusions
are standard through all health insurance
policies, but it is always good to compare
various policies to get the best one that fits
all your requirements.
11
We hope this article helps you when you are
deciding to buy a health insurance plan!
12
Follow us on
https//www.facebook.com/DHFLGI/
https//twitter.com/dhflgi?langen
https//www.youtube.com/channel/UCUI5rWhub_POI2b8E
Qou5vg
https//in.linkedin.com/company/dhflgi
13
For more details health insurance policy
Visit Here https//www.dhflinsurance.com/health-i
nsurance/
Thank You