It is a known fact that health insurance always comes with its own set of terms and conditions. Hence it is essential to know what is covered under your policy and what is not. Every insurer provides a list of inclusions and exclusions approved by the IRDAI. Based on these conditions, your claim can get accepted or rejected. So, it is advisable to check and plan before selecting a health plan that suits you the most. Though every insurance company has its own limitations, there are certain sets of exclusions that are common. Let’s take a look at them.
The diseases not covered under any health insurance include;
The clauses under the inclusions and exclusions under health insurance vary from one health insurance provider to another. However, these diseases are usually not covered under any health insurance policy by any provider. So, make sure to take a look at these before making any claim as it may get rejected based on these exclusions.The best way to adopt is to manage your finances better and read the insurance policy wordings carefully to have better clarity on both the inclusions and the diseases excluded from the scope of the health insurance plan from your insurer.
Let's take a look at some frequent queries on the List of diseases not covered by health insurance;
The health insurance providers exclude certain claims as the risk attached is enormous and it involves a large sum of amount for a more extended period.
Many insurers provide customized add-on coverage that you can opt for while buying health insurance plans. You can check for additional coverage needed as per your requirements.
Every insurer has a different set of terms and conditions towards health insurance plans and many have a waiting period option too under some diseases that can be covered. You need to read the policy carefully before purchasing it.