image

> >

Exclusions of Health Insurance Policy

Common Exclusions in Health Insurance Policies

In case of health insurance policies, there are certain health insurance exclusions as well. These scenarios include pre- existing diseases, which are illnesses that the policy holder was already suffering from before he got the insurance. In this case, there will be a waiting period of 2 to 4 years before the insurance company agrees to cover it. Except for accidents and deaths, even for non- existing illnesses, the insurance will only accept claim requests after two to four months. Issues like pregnancy, child birth and vaccination are generally excluded, but pregnancy is often included after a period of two years. Non- life threatening diseases like cosmetic surgery, dental replacement or joint replacement are not covered under insurance. Alternative forms of treatment like Ayurveda and homeopathy are also excluded. Permanent exclusions of health insurance include HIV or congenial diseases.

People Also Considered

Mutual_Fund_PAC

Mutual Fund

The smart way to generate wealth via diversified investments

APPLY NOW

Life Insurance

Protection against expenses arising due to medical emergencies

APPLY NOW

Home Insurance

Protection for your home and its belongings

APPLY NOW

Fixed Deposit

The assured way to make your savings grow

APPLY NOW