Health Insurance 303 views April 14, 2021

Insurance companies make you wait for 2-4 years before they start covering your pre-existing conditions, which mean diseases or illnesses that you have before buying a health insurance plan. The period for which you need to wait is called the ‘Waiting Period’. But some pre-existing conditions won’t get covered even after the waiting period of 2-4 years. These come under the list of permanent exclusions. In this article, we’ll talk about such conditions. So, let’s read on!

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So What are Those Pre-existing Conditions That Health Insurance Plans Don’t Cover?

The list of such pre-existing conditions may vary from one health insurance plan to another. But generally speaking, diseases such as AIDS, casualties related to war, adventurous sports and a few more are not covered. So, if you have any of these before buying a health insurance plan, don’t be surprised if the insurer rejects your health insurance application.

Let’s Talk About the Permanent Exclusion List of Different Health Insurance Plans

Knowing the permanent exclusion list of different health insurance plans will only help you. Let’s check the same below.

Health Insurance PlansPermanent Exclusions
HDFC ERGO Health Optima Restore

  1. Accidents while participating in adventurous sports

  2. Self-inflicted injuries owing to use and abuse of intoxicating drugs

  3. War-related injuries

  4. AIDS or infection from HIV, including but not restricted to conditions emerging from HIV/AIDS such as AIDS Related Complex (ARC), Lymphomas in the brain, Tuberculosis and Kaposi’s sarcoma

  5. Venereal or Sexually Transmitted Diseases

  6. Obesity Treatment

  7. Cosmetic Surgery

Max Bupa ReAssure Health Plan

  1. Sleep Disorders

  2. Treatment for alcoholism

  3. Abuse of drugs or substances

  4. Any addictive condition

  5. Sexually transmitted infections and diseases other than HIV/AIDS

  6. Neuro developmental delays and disorders

  7. Mental retardation

  8. Intentional self-inflicted injury or attempted suicide

  9. Injury while participating in hazardous or adventure sports

  10. Hormone replacement therapy

Care Health Insurance

  1. Expenses resulting from self-inflicted injuries due to suicide or attempted suicide

  2. Expenses resulting from or attributable to use/misuse/abuse of drugs or alcohol

  3. External congenital disease

ICICI Lombard iHealth

  1. Dental treatment unless due to an accident

  2. Venereal diseases or any sexually transmitted diseases

  3. Cosmetic Surgery

  4. Acupuncture, Acupressure, magnetic and other related therapies

  5. Domiciliary treatment expenses

Bajaj Allianz Health Insurance

  1. Dental treatment unless it is necessary due to a traumatic injury or cancer

  2. Self-inflicting injury

  3. Any type of cosmetic surgery unless needed for the treatment of cancer, burns or accidental bodily injury

Why Don’t Health Insurance Companies Cover These Pre-existing Conditions?

No insurer would like to offer health insurance plans to people having already been affected by these conditions. What they want is people with a healthy track record, and even if they have some conditions, they should not be of much high severity. If that remains the case, the cover will begin after 2-4 years of the policy. At the same time, some surgeries may not be required from the health perspective. In case the insurer finds the same, it won’t approve the claim.

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