How can I understand what is included vs excluded in my policy?

Health insurance policies are agreements between a policyholder and the insurer. You pay regular premiums, and in return, the insurer helps you cover the cost of medical expenses in cases of hospitalisation. The premiums for the policy can be paid monthly, quarterly, or annually, depending on your preference. A comprehensive health insurance plan provides financial protection against certain risks or events. However, while these policies offer coverage for a wide range of scenarios; they also have certain exclusions or restrictions for specific illnesses. You can understand what is covered or not by reading the policy document carefully in the inclusions or exclusions sections.

When you apply for a new policy or renew an existing health insurance policy, you must review all the inclusions and exclusions carefully. However, after reading the policy document, if you are still confused about what’s included or excluded, it’s better to ask your insurer directly. Understanding these exclusions and inclusions ensures that policyholders are adequately informed about the extent of their coverage and can make informed decisions about additional protections they might need.

Common List of things included or excluded in your policy

Exclusions are basically the conditions or treatments that are not covered under your policy. Some common exclusions include pre-existing diseases during the waiting period, cosmetic or aesthetic treatments, self-inflicted injuries, and non-medical expenses. It is important to understand these limitations to avoid unpleasant surprises at the time of claim.

Inclusions are the conditions that are covered in your policy. This includes hospitalisation costs, doctors’ fees, surgeries, diagnostic tests, and sometimes pre- and post-hospitalisation expenses, etc.