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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 usually  excluded. Permanent exclusions of health insurance include HIV or congenial diseases.

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Disclaimer - *Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.”