Both dental and vision treatments are not covered under health insurance.

What are common exclusions in health insurance policies. The exclusions clarify the causes of loss and types of losses that are not covered. It differs from one policy to the other. 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.

As you can see there are many types of exclusions in a policy and I will highlight the common ones. 1 Exclusion due to Pre-existing Illness Conditions. 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.

Even if you have a. 3 Injuries caused by self. The reality is that no health insurance plan will cover every single medical expense and a variety of limitations and exclusions are very common.

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. Here is a more in-depth guide to common health insurance exclusions that you might encounter on insurance provider lists. Before we look at some of the other more detailed exclusions be aware that each of the following is normally a universal exclusion.

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. Besides joint replacements dental surgeries are some of the common health insurance exclusions. What is the purpose of the exclusions provisions of a health insurance policy.

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. One of the most common exclusions in health insurance policies is cosmetic treatments. When you decide to buy a health cover it is an agreemeent you are about to sign based on mutual trust that you are disclosing correct information about yourself for an agreed premium and in return the insurance company is bound to help you with financial support based on agreed terms.