Permanent Exclusions In Health Insurance
- What Are Permanent Exclusions?
- Explore Permanent Exclusions
- IRDAI List of Permanent Exclusions
If you had a dollar for each time you clicked on 'I agree' without reading the terms and conditions for any app download or software update on your devices, you would be a millionaire!
It is not a surprise that 97% of people between the age group of 18 to 37 years do not read the legal terms and conditions. The data was provided by Deloitte after a study was conducted on 2,000 consumers in the USA. Well! this data does not surprise me.
A similar story is witnessed during claim grievances, wherein a lot of us miss out on important information regarding permanent exclusions in health insurance. This article explores permanent exclusions in health insurance in detail.
Scroll further to learn more about the topic and how you can benefit from understanding this term thoroughly.
Health insurance is a contract between you and the insurance provider. Under a health insurance plan, you are covered for hospitalisation and medical treatments, ICU charges, ambulance expenses, OPD, etc. This offers you a strong financial backup when an emergency hits.
It is important to note that with a plethora of inclusions, certain permanent exclusions are attached to your health insurance policy. Permanent exclusions mentioned in a health insurance policy will not be covered in case you are injured or hospitalised.
We promise this is more important than the terms and conditions you ignore, take a look at 8 important exclusions you must know about before investing in any health insurance:
When purchasing a health insurance plan, you pay so much attention to the inclusions and features that are offered, oftentimes permanent exclusions are overlooked.
Many claims are rejected due to the customer's misinformation regarding inclusions and exclusions. To avoid claim rejections, you must be well-versed in permanent exclusions of your health insurance.
It is common knowledge that terms and conditions are usually ignored across the globe. However, when it comes to health insurance policies, make sure to read the permanent exclusions carefully to understand what is included and what is not included in the policy.
To further understand permanent exclusions in health insurance, connect with our insurance experts at PolicyX.
Permanent exclusions in health insurance are the medical conditions that are not covered by your health insurance plan. A list of permanent exclusions is issued by IRDAI which all health insurers across India have to adhere to.
The common permanent exclusions of health insurance are cosmetic surgeries, treatments for gender change, STDs, self-inflicted injuries, adventure sports, etc.
Some common exclusions in health insurance are listed below
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Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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