123ArticleOnline Logo
Welcome to 123ArticleOnline.com!

ALL Insurance >> View Article

Common Exclusions In A Health Insurance Policy In India

By Expert Author: Pranav V Sharma

Buying a health insurance plan is important. However, most people tend to buy a wrong plan. For instance, most of the time, the buyers are so busy in understanding what's covered that they ignore the importance of knowing what's not covered. To extract maximum benefits from an insurance plan, you should know about things that are excluded in your plan. Here are some of the most important exclusions to take into consideration when buying health insurance policy in India:

Pre-existing Diseases

These diseases are excluded from the health insurance policy at the time of purchase. Moreover, complications arising from pre-existing disease will also be measured as part of pre-existing health condition. An insurance company usually covers an individual after excluding these illnesses (if any).

Specific Diseases

Specific diseases are excluded in the initial year of the policy.

Nuclear Weapon Damage

Disease, illness or a physical condition developed due to nuclear weapon risks are usually excluded from health insurance benefits.

War Related Damage

All kinds of injuries, illnesses and diseases caused by war are excluded from health insurance policy and critical care insurance plan. You should discuss with an insurance representative about what is covered under terrorist activities

Accident Related Diseases/Injury

Health insurance in India will not cover you for expenses on injury or diseases incurred especially if it has been incurred during the initial thirty days from policy initiation (with an exception of accident related problems).

Pregnancy and childbirth

Usually this facility is excluded in general medical insurance plan. However, many companies are still offering this facility. You need to check out with your insurance provider about these facilities prior to actually signing the dotted line.

Cosmetic Treatment

The health insurance policy will not cover you for cosmetic dental treatment, plastic surgeries for cosmetic reasons, spectacles costs etc. Plastic surgery required for treatment after accident or illness can be covered.

Alternative Treatment

All kinds of treatment and medication options other than allopathic such as Unani, homeopathy, naturopathy, ayurvedic etc are excluded from health insurance plan. You need to check with your insurance service provider if any of the psychological and physiological treatments are covered.

HIV or AIDS

All medical expenses incurred due to the treatment of HIV or AIDS are excluded from the health insurance cover. You should check this clause with your insurance provider. Know whether or not it excludes the condition and expenses incurred due to the same.

Liquor and Drugs

Any damage, illness or injury occurring due to misuse/abuse of drugs or alcohol is not covered in health insurance policy. You may check with an insurance provider about accidents that happen under influence of alcohol.

The above mentioned are a standard list of exclusions maintained by health insurance companies in India. However, it is always wise to read the terms and conditions before you actually take a decision. Know what the company has to offer at various circumstances.

_______________________________________________________________________

It is very essential to have a health insurance policy. Author Pranav Sharma is an experienced insurance professional and widely read expert on general insurance based in Mumbai. Pranav helps readers opt for best health insurance policy in India.

Total Views : 58Word Count Appx. : 499See All articles From Author

Insurance Articles

1. Cheaper Alternative For Veterans Car Insurance
Author: Victor Cano

2. Is It Always Safe To Drive Too Slowly? Must Check Adverse Effects Of Slow Driving
Author: Brijesh

3. Aquel Alquiler Coches Aeropuerto Alicante Anilla El Apoliticismo Boricua
Author: Shalanda Staples

4. Un Alquiler Coche Barato Alicante Se Adiestra Ese Abuje Adoctrinador Con Aquel Telegrafista Se Conv
Author: Arlene Godoy

5. Un Alquiler Coche Tenerife Sur Donde Se Apendejea Alrededor De Este Intermitente
Author: Arnoldo Prowse

6. Que Alquiler Coches Alicante Se Desencapricha El Apellido Normal
Author: Elana Larocca

7. Mcx Commodity Trading Tips Provider India
Author: Santosh Sharma

8. How To Take Benefits Of The Auto Insurance Leads?
Author: iradiusgroup

9. Compare Insurance
Author: aravind singh

10. Ark Insurance Provide Reinsurance Coverage Full Insurance Coverage Package
Author: aravind singh

11. Learner Driver Car Insurance With Affordable Prices For Adequate Coverage
Author: Victor Cano

12. Answers To All Your Doubts About Buying A Car Insurance Online
Author: Nansi Bhardwaj

13. Apartment Owners Insurance Northern California Company Offers The Best Solutions
Author: mikeheige

14. How To Get The Best Car Insurance Deal In India?
Author: A comprehensive car insurance cover protects again

15. Bridge The Gap In Your Medical Insurance Claims With A Medical Aid Gap Cover
Author: Total Risk Administrators

Login To Account
Login Email:
Password:
Forgot Password?
New User?
Sign Up Newsletter
Email Address: