Common exclusion in Health Insurance Policies

It's no secret that your health insurance doesn't cover all medical expenses. And it is also quite obvious that every health insurance plan has a list of inclusions and exclusions. However, the exclusions are the ones that can surprise you a lot if you don't know about them beforehand. The “exclusion” can be an illness or health expense that is not covered by your health insurance. Since it is not covered, it means your mutual is not paying for it. If you are a smart insurance buyer who takes the time to read inclusions, exclusions, and terms and conditions, you can be sure to avoid these unpleasant surprises in the future. Most people are only interested in what the policy offers (inclusions) and overlook what the policy doesn't cover (exclusions). For this reason, you should always read the policy wording before signing the policy document.

Here are the 4 most common health insurance exclusions you should know about:

  1. Pregnancy and related diseases
Pregnancy, childbirth, termination of pregnancy, and treatments resulting from or traceable to pregnancy are not covered by health insurance. However, some health insurance may cover pregnancy, but only after a waiting period.       2. Pre-existing conditions If you have an illness or a health problem before purchasing health insurance, it will not be covered by the policy. These are known as pre-existing conditions and, depending on the type of disease and your risk, are only covered after a waiting period of 2 to 4 years or more.
  1. Cosmetic surgery
Cosmetic surgery is commonly used to improve a person's appearance, which is why medical insurance does not cover all types of cosmetic procedures. However, in the event of an accident or injury when plastic surgery is required, it may be covered.
  1. Dentistry, hearing, and vision
There may be exceptions, but dental and visual procedures are not covered by health insurance plans as they do not require hospitalization. However, if hospitalization is required, it can be covered. Therefore, it is best to check with your health insurance company. However, these benefits can also be purchased as additional notes to an existing health plan. Remember that not all policies are the same, and neither are all policyholders. Therefore, it is best to check both inclusions and exclusions when purchasing the policy. This way you know in advance which claims will be recognized by your health insurance and which ones will not.