What is Not Covered in a Health Insurance Plan?
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The following medical expenses and situations are usually not covered in a health insurance plan:
- Unless there is an accidental emergency, claims arising during the initial 30 days of buying a health insurance plan are not covered.
- Coverage of pre-existing diseases is subject to a waiting period of 2 to 4 years
- Critical illnesses coverage usually comes with a 90-day waiting period
- Injuries caused by war/terrorism/ nuclear activity
- Self-inflicted injuries or suicide attempts
- Terminal illnesses and other diseases of a similar nature
- Cosmetic/plastic surgery and replacement of hormone surgery
- Non accidental dental treatments
- Bed rest and rehabilitation
- Diagnostic tests
- Claims arising out of adventure sports injuries
Note: It is recommended to check your policy wordings to get a detailed list of exclusions.
Courtsey To : Policybazaar
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