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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.
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