Health Insurance Plans in India: Major Exclusions to Keep in Mind


The world we live in is regularly moving towards advancements. This is leading to a significant change in people’s lifestyles. As a result, we’re witnessing arise inthe ailments related to lifestyle changes. Thus, it is important to prepare yourself against such circumstances by buying an adequate health insurance plan.

Health issues can occur at any time in lifeand can lead to a financial crisis. But, a health insurance plan by your side will reduce your problems immensely. This insurance policy helps you by lending financial protection during any medical emergencies.

How Do Health Insurance Plans Work?

Health insurance plans work as an agreement between you and your insurance company. You need to pay a certain amount of premium every year, and in return, your insurer will cover your medical expenses. If you are still unsure about the procedure, you can get in touch with an expert from Niva Bupa right away.

If you are planning to buy a health insurance plan, make sure you get your health insurance from India’s best health insurance company. It will not only cover all your medical expenses but will also provide you with long-term benefits.

Here, we will be discussing the significant exclusions of health insurance policies that you need to remember. Read on to know more.

7 Common Exclusions in All Health Insurance Plans

Health insurance exclusion varies from insurer to insurer. Thus, you must purchase it from the best health insurance company. However, before buying a health insurance plan, it is beneficial to go through all the documents and read the policy excursions carefully.

Even though Niva Bupa usually covers all kinds of illnesses, there are certain exceptions. It does not include some medical conditions and health care expenses. Here is a list of common health insurance exclusions. Read on:

1.  Pre-Existing Medical Conditions

If an insured person has an illness priorto buying an insurance policy, then the insurance company will not cover the expenses. Insurers can cover it only after a specific lock-in period of 2 to 4 years from purchase.

2. Cosmetic Surgeries and Treatments

Acquiring cosmetic treatments for enhancing your appearance can be costly. But this expense will not be covered by your insurance provider.

3. Conditions Related to Lifestyle

Lifestyle changes can result in health problems. Conditions such as lung cancer and cirrhosis caused by smoking and alcohol consumption will not be covered by your insurer until you pay a high premium amount. However, there might be certain exceptions that the applicant must take into account before purchasing the policy.

4. Diagnostic Expenses

If you require any laboratory test or imaging, it will not be covered by health policies. But if the test result shows the need for hospitalisation, then your insurer will cover the costs.

5. Expenses for Pregnancy and Childbirth

Many health insurance plans do not cover expenses related to pregnancy and childbirth. So, if you are getting treated for abortion or infertility, remember that your health insurance plan will not cover them.

6. Injuries Caused by Suicidal Attempts

No health insurance plan covers the expenses of treating the injuries caused due to suicide attempts or self-harm. So if you harm yourself deliberately, insurers will not entertain you with any claim whatsoever.

7. Issues Related to Vision, Hearing, and Dental

Health insurance plans do not cover dental, hearing, and vision treatment expenses. It is because these issues do not require any hospitalisation. But even if it is required, you will have to consult with your insurance provider first.