Health Insurance

What does insurance not cover?

Your policy may not cover liabilities in certain situations. These are known as exclusions.

Let’s have a look at a few of them.

Health– Hospitalisation due to war or related activities
– Medical condition due to abuse of intoxicants or hallucinogenic substances
– Any medical condition existing before buying the policy during the waiting period
– Non-allopathic therapies such as acupuncture, yoga, naturotherapy, etc.
– Diagnostic charges if the reports do not confirm the existence of the covered disease
– Self-inflicted injuries

How much does insurance cost?

Your insurance costs depend on your premium amount. This premium amount depends on several factors that differ from insurance to insurance. Here’s a look:

  • Your family health history
  • The sum assured
  • The type of coverage/plan
  • Your age and gender
  • Your health history