Medical Insurance And Policy Exclusions

By Author: Pranav V Sharma
Total Articles: 141
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Buying a medical insurance plan is important. However, most people tend to buy a wrong plan. To extract maximum benefits from an insurance plan, you should know about things that are excluded in your plan. While buying medical insurance, one must always take a look and understand policy exclusions to truly realize which policy would be best for them. Pre-existing diseases are excluded from the medical 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. You must disclose the physical conditions you are aware of. In case, you don't, problems may occur during insurance claims. Also, there are a few specific diseases that are excluded for the first year after purchasing your medical insurance policy.

Disease, illness or a physical condition developed due to nuclear weapon risks are usually excluded from health insurance benefits. 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. Medical 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. Remember that first thirty days are not covered by a health policy.

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 before signing the dotted line. In case, you are planning a family, it is crucial to check this facility in your medical insurance plan prior to investing your hard earned cash. The health insurance policy will not cover you for cosmetic dental treatment, plastic surgeries for cosmetic reasons and spectacles costs. Plastic surgery required for treatment after accident or illness can be covered. You also need to check with your medical insurance service provider if any of the psychological and physiological treatments are covered.

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. Any damage, illness or injury occurring due to misuse/abuse of drugs or alcohol is not covered in health insurance policy. These are a standard list of exclusions maintained by medical insurance companies in India. However, it is always wise to read the terms and conditions before you actually take a decision.

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Pranav Sharma is an insurance agent based in Mumbai; Pranav assists individuals and corporates in purchasing the right Medical Insurance & often shares his insights about the general insurance industry on internet.