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.
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