Exclusions are those conditions that the insurance plan shall not cover. All insurance plans have exclusions; there isn’t an insurance plan without exclusions.

Exclusions are generally listed as a separate section in the policy certificate but in some cases, they can be distributed in various parts of the document. Look at the list of exclusions which is given in the policy brochure or the certificate. If the list is long, then it is mostly comprehensive. If it is not lengthy, then expect other exclusion conditions to be spread throughout the paperwork.

All plans including international student insurance, trip cancellation insurance, short term insurance plans have exclusions. Some of the common exclusions are as follows

  • Dental care
  • Aids – hearing, vision
  • Convenience items like cough syrup and humidifiers
  • Extra pillows, TV, telephone facility during hospitalization
  • Private nursing care
  • Abortions by choice
  • Cosmetic surgeries
  • Experimental treatments
  • Non-prescription drugs (dietary supplements that have not been prescribed by a certified doctor)

Hence, before purchasing an insurance plan it is important that you are aware of both the benefits and exclusions.