The coverage offered by a health insurance policy is subject to the type of policy and the insurance provider. An ideal policy is customizable and suites your requirements in the best way possible. Following are some common health insurance policy inclusions:

• In-patient hospitalization expenses
  • Donor expenses, in case of organ transplantation
  • During injuries requiring overnight hospitalization
• Pre-existing illnesses or diseases
• Pre and post hospitalization
• Ambulance charges
• Maternity or newborn
• Health check-ups
• Daycare procedures
• Treatment availed at home or domiciliary hospitalization

• Health Insurance Exclusions

Coverage offered by health insurance policies varies with the insurer; however, certain points are not covered by health policies, and fall under the category of policy exclusions. Following are common health insurance policy exclusions:

• Unless an accidental emergency, no coverage or reimbursement offered with the waiting period of the policy, usually initial 30 days.
• Coverage of critical illnesses and pre-existing diseases is subject to a waiting period of 2 to 4 years.
• Clear exclusion of expenses incurred for maternity/newborn unless a maternity rider has been added on.
• Injuries caused by war/terrorism/ nuclear activity/suicide attempt.
• Terminal illnesses, AIDS, and other diseases of similar nature.
• Cosmetic/plastic surgery, replacement of hormones, sex change and more.
• Dental or eye surgery.
• Non-allopathic diseases’ treatment.
• Bed rest/hospitalization and rehabilitation, common illnesses etc.
• Treatment/diagnostic tests, post-care procedures.
• Treatment in abroad or by an under-qualified medical professional.

Note: It is recommended to explore each plan to ensure maximum coverage.