What Is Not Covered? Vital Health‑Insurance Exclusion Checklist

Knowing what a health‑insurance plan does **not** cover is as crucial as knowing what it does. Below is a quick checklist of exclusions that frequently appear in Indian policies.

1. Pre‑existing illnesses within the waiting period 2. Cosmetic surgery and elective procedures 3. Alternative treatments such as Ayurveda, Homeopathy unless specifically added 4. Certain chronic diseases beyond a sub‑limit 5. Hospitalisation due to self‑inflicted injuries or illegal activities

Cross‑verify each item with your prospective insurer’s documentation. If a needed service appears on the list, consider a supplementary rider or a different insurer.