Even with standardized exclusion norms there is a lot that an insured needs to be aware of before purchasing the plan Mahyavanshi informed FE Online while describing the most common health insurance exclusions every guaranteed individual should know.

What are common exclusions in health insurance policies. Both dental and vision treatments are not covered under health insurance. W hile most people know that their health insurance will not cover pre-existing medical conditions there are other exclusions that policyholders should be aware of. As you can see there are many types of exclusions in a policy and I will highlight the common ones.

Here in this article my idea is to share some of these common exclusions in the health insurance policies. But if the requirement is due to an accident or a medical condition then the same is covered. Let us look at the basic exclusions of a health insurance policy.

Under this clause the benefits of a health insurance policy purchased cannot be availed for a specific period of time mentioned by the insurer in the policy documents. By definition an exclusion is a medical service or item that is not covered and your health insurance will not pay for including many of the 10 excluded services listed above. The exclusions clarify the causes of loss and types of losses that are not covered.

The reality is that no health insurance plan will cover every single medical expense and a variety of limitations and exclusions are very common. Even if you have a. Before we look at some of the other more detailed exclusions be aware that each of the following is normally a universal exclusion.

What is the purpose of the exclusions provisions of a health insurance policy. Common exclusions you must know about Any injury caused to the insured due excessive alcohol consumption or drug abuse isnt covered under health insurance policies. However costs of a plastic surgery following an accident or injury are covered under medical insurance.

Pre-Existing Conditions If you currently have chronic diseases or heart failure or even a recent problem with an injury you seriously need to check the small print on the policy. This waiting period ranges from 1 month to 3 years. A medical illness or injury that you have before you start a new health insurance plan may be considered a pre-existing condition Conditions like diabetes cancer and hypertension are.