As an insurance advisor, one of the things we always remind our clients is to pay attention to the exclusions when selecting insurance plans. As you may already know, exclusions are the services that your health plan will not pay for. Hence, it pays to ascertain beforehand what will not be covered by reading the terms and conditions in your policy before making any purchasing decision. By doing so, you will not be caught off guard at the last minute by finding out that the care or services you have received are not reimbursable, and thus having to foot the hefty bill out of pocket.
In this infographic, we have summarized the top 8 most common health insurance exclusions to give you an idea about what services are usually excluded in most plans, including:
- Pre-existing conditions
- Behavioral and personality disorders
- Fertility treatments
- Sleep disorders
- Specific scenarios
- Cosmetic surgery
- Acquisition of an organ
Some of these exclusions, such as dental and optical care, are actually add-on benefits that can be obtained on top of many general health insurance plans. On the contrary, miscellaneous hospital stay charges and cosmetic surgeries are virtually always excluded as they are not medically necessary expenses. Finally, there is also a type of exclusion that deviates from the fundamental principle of insurance and involves ultra-high risks that insurers are unwilling to insure, such as injuries arising from war, terrorist acts, or self-harming behavior.
As a leading insurance brokerage with over 19 years of experience and nine offices across the world, our team of experts can explain obscure insurance jargon in layman’s terms. Get in touch today for more information on your insurance policies and exclusions.