Exclusions: meaning in health insurance
ข้อยกเว้น
Exclusions are the situations, treatments and conditions that a health insurance policy does not cover.
Common exclusions
- Pre-existing conditions not accepted at underwriting
- Cosmetic surgery and treatments not medically necessary
- Routine check-ups and vaccinations, unless a wellness benefit is included
- Dental and optical care, unless covered by an option
- Pregnancy and childbirth, unless maternity cover is included
- Injuries from dangerous activities listed in the policy, or under the influence of alcohol or drugs
Read them before buying
Exclusions are listed in the policy wording and, for personal exclusions, on your policy schedule. Two plans with the same limits can differ greatly on exclusions.
General definition: the exact rules are those of your policy wording.
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