Permanent exclusions are listed category of treatments which are never covered in health insurance policy for whole life.

What is permanent exclusion in health insurance. One of the most common exclusions in health insurance policies is cosmetic treatments. An insurance claim rejection results in a huge loss to customer financially because now they have to pay the medical expenses from their wallet. HIV war nuclear activities congenital diseases etc.

Besides joint replacements as well as dental surgeries are some of the well-known health insurance policy exclusions. In our experience most people that start a health insurance plan end up with some kind of exclusion on their policy for a pre existing condition. These permanent exclusions are clearly mentioned in the policy document of the health insurance product under section Permanent Exclusions.

For non-disclosure of material facts the insurer can take a consent of the insured and permanently exclude that disease and continue with the policy or incorporate additional exclusion period not exceeding 4 years or levy extra premium. Many insurers also have a specified list of diseases that are part of permanent exclusion. Exclusions are the cases for which the insurance company does not provide coverage.

Cosmetic Treatment Plastic surgery cosmetic surgery and implants are not covered under health insurance. However costs of a plastic surgery following an accident or injury are covered under medical insurance. Search and overview.

However this exclusion ceases to apply if the policy is renewed with the Company for 1 consecutive year Non-allopathic treatment pregnancy and childbirth related complications cosmetic aesthetic and obesity related treatment. This usually happens to people who have less or no idea about what is included and excluded in their polic. After completion of eight continuous years under the policy no look back to be applied.

36 Existing Diseases allowed to be permanently excluded are prescribed in Chapter IV of these GuidelinesEvery insurer may endeavour to extend health insurance coverage to all the persons to be insured who disclosed pre-existing disease at the point of underwriting in accordance to Regulation 8 of IRDAI Health Insurance Regulations 2016. Common Health Care Exclusions The subject of pre-existing conditions is always a hot one. As the name suggests this is not covered under your health plan by default.