Exclusions

It is also very important to thoroughly read and understand ‘exclusions’ in health policies. Insurance companies do not cover certain areas and do not provide any compensation for them. These can include – treatment procedures and certain ancillary costs.

A few areas excluded from health insurance coverage are – OutPatient Department (OPD) costs, dental treatment, pregnancy and expenses related to external aids, such as - wheel-chairs and pacemakers. However, certain insurance firms are now tending to these areas as well.

Do not fall in that category of policy holders who act only after facing a claim rejection. It is of utmost importance to read all nooks and corners of health insurance policies because your precious health is at stake here.