Understanding Health Insurance Plan and Exclusion List
12 Sep 2017
Your health insurance is supposed to cover majority of your medical expenses over the course of your lifetime. Whether it is a disease, illness or accident, there is a health insurance policy that covers most of these expenses. However, all health insurance plans have an exclusion list integrated in the plan. Knowing the contents of the exclusion list is crucial, especially to prepare yourself in cases of medical emergencies.
How does a health insurance plan work?
An exclusion list is always included in your health insurance plan. It is the list of all the medical emergencies that are not included in your insurance policy. Some of the common elements observed in almost all exclusion lists are pre-existing diseases, any alternative medical treatments, and surgeries. Most insurance companies also avoid including pregnancy as well as pre- and post-pregnancy charges in their medical insurance policies. Diagnostic tests and cosmetic surgeries are also generally excluded from these insurance policies. Even diseases arising from lifestyle adaptations like chain-smoking causing lung disease are not covered in most insurance plans.
What is the exclusion list in a health insurance plan?
Whenever you are looking at purchasing a health insurance policy, the representative runs you through the policy. Since some of the common exclusions are already mentioned beforehand, you must clarify with your agent about the medical emergencies that are not included in your health insurance plan.
However, to get detailed clarification, all the exclusions are always mentioned in the terms and conditions of the insurance policy. If you already have a health insurance offered from your employer, know everything it covers. If it does not suit your requirements, purchase another insurance package.
Bharti AXA provides you detailed information about individual as well as unique family floating insurance plans before you purchase any health insurance policy.
Now before taking up a planned medical expense, read through your health insurance policy to know what part of the expense would be covered. Purchase your health insurance plan today and make a smart health decision for your and your family’s lives tomorrow.
How do I know what is excluded from my health insurance plan?
Why choose Bharati AXA Health Insurance
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