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Common Things Your Health Insurance Policy May Not Cover

Updated On Apr 22, 2021

A health insurance plan is extremely important in today’s fast-paced life and rises in the cost of medical expenses. Different insurance companies offer various health insurance plans to their customers with a variety of add on covers and benefits. An individual should opt for a health plan that best fits the individual requirements and needs of the policyholder. However, most of the individuals solely focus on the inclusions and overlook the exclusions of health insurance plans at the time of buying a policy.

Common Things Your Health Insurance Policy May Not Cover

Common Exclusions of Health Insurance Plan

Some of the common exclusions of the health insurance plan are:

1. Pre-Existing Illness

In case a person is suffering from a health ailment, their insurance provider will not provide a claim for such pre-existing diseases till the time waiting period gets over. For example, if an individual is suffering from diabetes, the health plan would not offer coverage for expenditure caused due to these health ailments.

2. Abortion and Pregnancy Expenses

Most do not offer maternity health insurance cover. It does not matter the type of delivery i.e normal or caesarean, the health insurance plans generally do not involve such coverage. Expenses arising out from delivery related or pregnancy complications are also not offered coverage. Moreover, abortions are also commonly excluded from health insurance plans.

3. Cosmetic Surgery

Cosmetic surgeries have gained immense fame these days amongst people in order to improve their overall appearance. However, most health insurance plans do not offer coverage for such expensive procedures. But in case the individual goes through an accident and cosmetic surgery is recommended by the doctor as a part of the treatment process, the health insurance plan would most definitely offer such coverage. Also, dental procedures are not covered in health insurance policies.

4. Diagnostic Expenditure

Expenses incurred to identify the pathological surveillance or viruses of a person’s body at a healthcare center or hospital is not considered in a health insurance plan.

5. Health Supplements

Health supplements like protein shakes and tonics, which are not consumed by a person in order to fight against an ailment, are not included under the policy. However, if your doctor suggests these supplements as a part of treatment at the time when a person is hospitalized, only then can be rightfully included under a health insurance policy.

6. Fertility Treatments

Expenses arising from such treatments are often not covered under a health insurance plan. Although, the insurance companies are supposed to make payment for all the testings needed to make an infertility diagnosis.

7. Vision and Hearing

Generally, hospitalisation is not needed for vision and hearing-related healthcare procedures. Therefore, expenses arising from such treatment costs are not included in health insurance plans. However, in case any of the hearing or vision-related treatment needs hospitalisation, the insurance company will offer coverage for the same.


Health insurance plans offered by health insurance companies vary in terms of various different aspects including the exclusions and inclusions of a health plan. It is significant that due attention should be paid to both inclusions as well as exclusions at the time of buying a health plan. This is important as it would help in making you aware of the type of plan you are buying and how you can put your health plan to the best possible use.

Do Read: 

Exclusions and Waiting Period: Know Them Before Choosing a Health Policy

10 Benefits of Buying Health Insurance In 2021

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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