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Health insurance: Common exclusions you must know about

Any injury caused to the insured due excessive alcohol consumption or drug abuse isn't covered under health insurance policies

Representative Image: Pixabay

Lack of information before putting money into something is a great catalyst for financial disasters. This becomes worse in case of insurance policies, especially health insurance.
There are some prominent exclusions in your health insurance that largely go unnoticed until doomsday arrives. Let’s take a look at few of these.
Cosmetic surgeries aren’t considered a medical necessity unless it is part of an accidental injury. They are excluded from an average health insurance coverage.
Skin treatment, hair transplant or even gender change treatment isn’t protected under a health insurance cover.
Unscientific and unusual line of treatment that isn’t generally accepted by medical professionals isn’t considered for coverage in your health insurance policy.
Clinical trials are prime example of unscientific treatments. You will not get any financial aid for treatment in such cases. Any injuries suffered due to exposure to radiations or chemical ionisation isn’t covered either.
If your health insurance includes maternity coverage, read the document carefully. It will also include a waiting period under which the coverage will not be provided.
Any case of self harm, i.e., suicide or self-inflicted injuries remian outside the purview of health insurance coverage. Insurance is for uncertain emergencies, not for the ones induced deliberately.
Any injury caused to the insured due excessive alcohol consumption or drug abuse isn’t covered under health insurance policies.
Any medical injuries caused when the country is at war or during a civil unrest won’t be covered either.
Published: July 22, 2021, 18:32 IST

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