What are exclusions in a health insurance policy ?
Every health insurance policy has a set of exclusions. • Permanent exclusions like AIDS,cosmetic surgery and dental surgery which the policy will not cover at all. • Temporary exclusions like cataract & sinusitis which are not covered in the first year of the policy but are covered in subsequent years. • Conditions arising from diseases existing before the purchase of the policy are not covered. These “preexisting” diseases are covered usually after 4 years of the policy being in force depending on the policy terms & conditions.
