Covering your family under health plans is a must. Here’s why

Medical expenses are skyrocketing as medical inflation is on the rise. New treatments are constantly being developed with latest technology and these treatments are expensive. In fact, even a mere hospitalisation can amount to tens of thousands of rupees even if you have to undergo a minor surgery. Given the increasing medical costs, do you think you can afford a medical contingency yourself?

According to a survey conducted by the National Sample Survey Office in 2013-14, 36 million Indian households faced medical expenses which exceeded their annual per capita consumption. (Source: ). The numbers say that 36 million households faced severe medical contingencies which put a strain on their annual household budget. Given the increasing medical costs, the numbers are not surprising. What is surprising though is that these families did not have health insurance to protect against the medical expenses.

Health insurance policies prove to be a blessing when faced with a medical contingency which threatens your finances. The plan covers medical expenses and gives financial relief to you. Though a health insurance plan is important, covering your entire family under a family floater health insurance plan is as important as buying the plan itself. Do you know why?

Here are the reasons why –


  • Medical emergency might strike any loved one

Medical emergencies don’t come announced. When they strike they can strike any of your beloved family members. If any member falls ill and requires medical assistance, you need to pay for the medical expenses incurred. So, the financial burden of medical emergency remains on your head even when you don’t fall sick but one of your loved ones do fall sick. That is why a family floater health plan is needed. It takes care of the medical expenses of any of the covered member if the member falls sick.


  • The plan provides an umbrella coverage

Family floater health plans cover all members under a single plan. There is a single sum insured and a single premium which is payable. Thus, you don’t have to undertake the hassle of buying separate health insurance plans for each family member and remembering to pay multiple premiums regularly. The plan is also a cheaper alternative than buying separate health plans. Moreover, the plan extends umbrella coverage for all family members. Any member can use the sum insured independently as and when needed. Thus, all members are secured of the coverage, jointly as well as independently.


  • You also get tax benefits

Health insurance premiums paid towards a family floater plan give you tax saving benefits. The premium paid is allowed as a deduction under Section 80D of the Income Tax Act. You can claim a deduction of up to INR 25, 000 by paying a premium on the health insurance plan covering yourself and your family members.

Read more about All you need to know about income tax.

Given these benefits, a family floater health insurance plan is a must which should cover yourself, your spouse and dependent children. If you have dependent parents, you should buy a separate floater cover for them. Coverage for all family members is essential in today’s age when medical contingencies can strike anyone. When buying health cover for your family, however, the following points should be borne in mind –

  • The sum insured should be optimal considering the members covered and the expected medical costs.
  • If affordability of a high sum insured is an issue, you can buy a normal floater plan with an affordable coverage and then supplement it with a top-up or super top-up family floater plan. These plans would increase the coverage level while the premiums would be low
  • Buy a plan with comprehensive coverage benefits suitable to the needs of your family members. For instance, if you are a young couple and would be starting a family in the future, look for maternity cover in the plan.

Keep these points in mind and buy a comprehensive family floater plan. Gift your family access to quality healthcare without the medical costs becoming a burden on your head.

Read more about Healthcare costs are rising. Do you have health Insurance?
Got more questions with regards to Family health insurance? Check our our video


Does a term plan cover all types of deaths?

Knowingly or unknowingly, we all take small steps towards ensuring maximum safety. For example, you wearing a helmet before riding, or wearing a seatbelt before driving. There are numerous such instances. However, when it comes to securing the future of our loved ones, we tend to miss out a few important points.

One of the smartest ways of securing the finances of your loved ones and their future is a term insurance plan. The chances are high that you would have come across term insurance but maybe never bothered much about it. If you ask any expert, they would easily recommend it for its sheer benefits and cost-effectiveness.

What is term insurance then? It is a simple insurance plan that offers coverage against your life. You would pay a premium on a yearly basis to your insurer and in turn, they will offer you a sum assured. If anything were to happen to the policyholder, the insurer will pay the sum assured to the nominees.

The only difference is that in term insurance, nominees will receive financial assistance only after the death of the policyholder. If the policyholder outlives the term of the policy, there are no financial benefits.

There are a few salient features of term insurance plans. For starters, they pay out huge corpus to the nominees in the event of the death of the policyholder. It is feasible to get a similar sum assured with normal life insurance policies as well, but it comes at a cost. For an endowment plan or other policies, you will end up paying premiums tuning to several times of that of a term plan.

That brings to the second crucial benefit of term plan, its cost-effectiveness. A term plan offers unparalleled coverage and sum assured at very affordable prices. And with insurers allowing smaller time frames for payment, it turns out to be very light on your pockets.

Best Term Insurance Plans

Here is a list of some of the best term insurance plans for the current year.

  • LIC’s e-Term
    • Minimum Tenure: 10 years
    • Maximum Tenure: 35 years
    • Maximum Maturity Age: 75 years
    • Minimum Sum assured: INR 25 Lacs
    • Claim Settlement Ratio: 98.14%
  • ICICI Prudential’s iProtect Option
    • Minimum Tenure: 10 years
    • Maximum Tenure: 30 years
    • Maximum Maturity Age: 75 years
    • Minimum Sum assured: INR 25 Lacs
    • Claim Settlement Ratio: 94.10%
  • HDFC Life’s Click 2 Protect Plus
    • Minimum Tenure: 10 years
    • Maximum Tenure: 40 years
    • Maximum Maturity Age: 40 years
    • Minimum Sum assured: INR 25 Lacs
    • Claim Settlement Ratio: 94.01%
  • Max Life’s Online Term Plan – Basic Cover
    • Minimum Tenure: 10 years
    • Maximum Tenure: 35 years
    • Maximum Maturity Age: 70 years
    • Minimum Sum assured: INR 25 Lacs
    • Claim Settlement Ratio: 93.86%
  • Bajaj Allianz’s iSecure
    • Minimum Tenure: 10 years
    • Maximum Tenure: 30 years
    • Maximum Maturity Age: 70 years
    • Minimum Sum assured: INR 2.5 Lacs
    • Claim Settlement Ratio: 91.29%
  • SBI Life’s eShield
    • Minimum Tenure: 5 or 10 years
    • Maximum Tenure: 30 years
    • Maximum Maturity Age: 70 years
    • Minimum Sum assured: INR 20 Lacs
    • Claim Settlement Ratio: 91.06%
  • Kotak Mahindra’s Preferred e-Term Plan
    • Minimum Tenure: 10 years
    • Maximum Tenure: 40 years
    • Maximum Maturity Age: 75 years
    • Minimum Sum assured: INR 25 Lacs
    • Claim Settlement Ratio: 90.69%
  • Met Life’s Term Plan-Full Lump Sum Payout
    • Minimum Tenure: 10 years
    • Maximum Tenure: 40 years
    • Maximum Maturity Age: 75 years
    • Minimum Sum assured: INR 20 Lacs
    • Claim Settlement Ratio: 90.24%
  • Bharti AXA’s e-Protect
    • Minimum Tenure: 10 years
    • Maximum Tenure: 30 years
    • Maximum Maturity Age: 75 years
    • Minimum Sum assured: INR 25 Lacs
    • Claim Settlement Ratio: 88.13%
  • Aegon Religare’s iTerm
    • Minimum Tenure: 5 years
    • Maximum Tenure: 40 years
    • Maximum Maturity Age: 75 years
    • Minimum Sum assured: INR 10 Lacs
    • Claim Settlement Ratio: 81%


Top #3 that you can consider for a comprehensive coverage:

  • HDFC Click to protect 3D Plus 
    • Offers total sum assured paid as lumpsum in the event of the death of policyholder or diagnosis of terminal illness.
    • In the case of total permanent disability, the premiums are waived off while the policy is still active.
    • The plan offers 9 different types of covers to choose from such as Life option, Extra life option, Income option, 3D Life option and so on.
  • Max Life Online Term Plan
    • Offers the option to pay till you are 60 years old and enjoy benefits till term.
    • A healthy list of protection and additional liabilities.
    • Protection against the death or critical illness of policyholder.
  • ICICI Pru iProtect Smart
    • Offer critical illness cover with the term plan.
    • Get life cover up to 99 years.


Types of Death Covered in Term Insurance

One of the first things that you must before buying any policy is to go through the salient features, terms and conditions. This will help you avoid the feeling that you missed term insurance hidden facts. Since term insurance only pays out in the case of deaths primarily, it would be beneficial to be aware of the type of death covered in term insurance.

  • Accidental Death

A term plan covers accidental death of a policyholder. In fact, most insurers offer additional coverage for accidental death, which doubles the sum assured in the event of the death of the policyholder.

  • Natural Death

Death due to natural causes or health-related issues is covered as a part of term insurance policies. If they die due to a critical illness, they are entitled to receive the sum assured as well as the death benefit.

  • Suicide

In the event of suicide within 12 months of buying the policy, insurers usually do not honour the policy. Some of them might return the insurance premium or a portion of it. It is mostly at the discretion of insurers how they handle suicide cases. While few of them acknowledge suicide cases after the completion of a year or two, others do not.

The following are the types of death not covered in term insurance and which you should be careful about.

  • Intoxication

Whether it is accidental or any other form of death due to an overdose of drugs or alcohol, insurance companies will not honour the agreements.

  • AIDS

If a policyholder loses his/her life due to sexually transmitted diseases like HIV or AIDS, insurers do not cover the same under their policies.

  • Self-inflicted injuries

If a policyholder is involved in self-inflicting injuries or hazardous activities, the claim will almost certainly be rejected by the insurer.

  • Homicide


If the investigation of the death reveals that the nominee was involved in the act by anyway, the claim will be rejected.

Term insurance plans are gaining popularity and quite rightly so. Their affordable and flexible nature combined with extremely high sum insured makes them a very good investment option. You can buy a term insurance plan online making it just that much more convenient. If you do not already have a term insurance policy, it is high time that you start considering or even buy one.

Read more Complete guide on how term insurance can help you save tax.

Read more How insurance can help your finances grow.
Check out our video below to understand what is term insurance

Is Life Insurance a Good Investment Option – Complete Analysis

Why do you buy life insurance plans? Is it to achieve financial security for your family or is it to create wealth?

It is only human to want more and so many of you want to avail multiple benefits from your life insurance investments. Insurance companies also understood this sentiment of their customers and so they designed plans which fulfilled these needs. Earlier, life insurance only meant term insurance plans which paid a benefit only in case of death. However, with customers wanting returns from their insurance policies, various savings oriented insurance plans were designed. Today, there are two kinds of plans which offer investment returns. They are –

  1. Endowment plans
  2. Unit linked insurance plans (ULIPs)

Endowment plans are traditional plans which create guaranteed savings. They might declare bonuses which enhance the benefits payable. Moreover, guaranteed additions, loyalty additions, etc. are also promised under most endowment plans to increase the corpus. Endowment plans are long-term plans which come with durations ranging from 10 years to up to 30 years.

Unit linked plans, however, are modern day insurance plans which give the benefit of market-linked returns. These plans have been designed with the sole purpose of providing returns and they work on the concept of mutual funds with the addition of life insurance coverage. The premiums paid are invested in various funds which, in turn, invest in stocks and securities of the capital market. As such, ULIPs provide returns depending on the market performance and aim to maximise your wealth. The investment tenure of ULIPs is also flexible. You can choose a plan with terms ranging from 5 years to up to 30 years and above.

Both endowment plans and ULIPs have their relative merits and demerits. You should know about them before you choose to invest in these plans. So, here we go –


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The take away

Life insurance is meant to create financial security for yourself and your family. Though endowment and unit-linked plans provide returns, they do not provide sufficient coverage for securing your finances in case of premature death. A term insurance plan, in this regard, is the best solution. However, term plans have no investment returns. Life insurance plans are meant to be protection tools which aim to create an emergency fund and not to create wealth. If you, however, are looking for a combination of insurance and investment, you can choose the above-mentioned life insurance plans. But understand these plans in details and look at their pros and cons before making a choice. A life insurance policy, after all, should be bought with a complete understanding of the plan and its benefits, isn’t it?

Read more How to save income tax in 2019

Read more 8 financial instrument you can quickly buy online to save tax in India
Already having a term insuance & you wish to increase the cover amount? Check our video to know more


Healthcare costs are rising. Do you have health insurance?

The National Sample Survey Office (NSSO) conducted a health survey in the first half of 2014 to find out the burden of healthcare costs in India. Here’s what the survey found –

average hospitalization

Source: Livemint

This was way five years ago in 2014. In recent times, India’s health minister, Mr J. P. Nadda stated that India’s expenditure on health sector has increased. Compared to 1.2% of the GDP in 2013-14, it has increased to 1.4% of the GDP in 2017-18. (Source: The Economic Times )

These numbers indicate that healthcare costs have increased. Along with such costs, lifestyle ailments have also increased over the last decade. More and more individuals are facing some of the other forms of illness for which medical assistance is needed. Medical inflation has also become a common phenomenon and treatments and medicine are gradually becoming unaffordable for the common middle-class masses of the country. How can average individuals, therefore, afford quality healthcare in an age when diseases have become common?

The answer is quite simple actually – through a health insurance plan. Health insurance plans are designed with an aim to pay for medical expenses which seem unaffordable. Given the increase in life expectancy, increase in the incidence of ailments and the high medical costs having health insurance has become a must. The plan promises to take care of the expenses which incur if you are hospitalised for a medical contingency. Here are some of the most important benefits provided by health insurance plans –

  • Different variants

Whether you want a plan to cover your hospital bills or a plan to pay you a lump sum benefit in case of a critical illness, health insurance offers you a solution for every healthcare need. There are indemnity health plans which pay your medical expenses, family floater plans to cover your whole family, top-up plans for increasing your coverage at affordable rates, critical illness plans for covering dreaded illnesses and other plans for different needs making health plans universally relevant.

  • Comprehensive coverage

Health plans have evolved in recent times and provide all-inclusive coverage. You can find attractive coverage features like sum insured restoration, OPD coverage, coverage for AYUSH treatments, air ambulance cover, etc. in modern day health plans.

  • Affordable premiums

With the different variants and comprehensive coverage offered you might think that health insurance plans would be expensive. You are wrong. The premiums for health plans are quite affordable given the coverage offered. Moreover, there are different types of discounts as well which are allowed by health plans. These discounts further help in reducing the premium considerably and making the health plan easily affordable.

  • Tax benefit

Health plans also give you a tax advantage. The premiums paid to buy health insurance policies are allowed as a tax deduction under Section 80D. You can avail a maximum deduction of INR 25, 000 in one financial year. This limit increases to INR 50, 000 for a senior citizen. Moreover, if you pay the premium for a health plan covering your senior citizen parents, you can avail an additional tax deduction of INR 50, 000. Thus, health plans not only provide unparalleled coverage, but they also help in saving your taxes.

Now that you know that health insurance is important, how can you prepare yourself against any medical contingency?

If you are still wondering how here are the steps which you need to take –

  • Get a health insurance cover

The point of stressing on the importance of health insurance is to educate you that health insurance is needed for high healthcare costs. Thus, the first step is, obviously, to buy a health insurance plan.

  • What is the role of health insurance plans?

Health insurance comes into play when a medical contingency strikes. If you are hospitalised or undergo a day care treatment, the plan becomes active and pays the expenses incurred. Even the ambulance costs, pre-hospitalisation expenses, post hospitalisation expenses, organ donor expenses are also covered under the plan. Thus, the plan plays an active role in paying medical expenses.

  • What kind of cover can you expect?

Health insurance plans come in different variants. The cover depends on the variant selected. If you buy an indemnity health plan for yourself or your family you get coverage for the medical expenses which are incurred. If, on the other hand, you buy a critical illness plan you get coverage against major illnesses. Disease-specific health plans cover specific ailments while senior citizen plans are meant for senior citizens and their healthcare expenses. So, the type of plan you select would determine the cover you would get.

  • What are the types of health insurance plans?

Health insurance plans come in different variants. These include the following –

  • Individual plans which cover a single individual
  • Family floater plans which cover all family members in one plan
  • Critical illness plans which cover major illnesses
  • Disease-specific plans which cover specified illnesses
  • Senior citizen plans which cover senior citizens
  • Top-up and super top-up plans which help boost the existing insurance coverage
  • What is the right cover you need to buy?

The cover should depend on your requirements. If you want to cover your whole family, buy a family floater plan having sufficient sum insured. For your senior citizen parents, buy a senior citizen plan. A critical illness plan is also a must to protect against the rising incidence of major illnesses. When you buy a plan, make sure to have the coverage features which are required.

  • Do’s and Don’ts when buying health insurance
  • Cover all your family members when buying the plan
  • Choose a sum insured which is suitable for your coverage needs
  • Compare different plans before buying one  to choose the best plan
  • Understand the coverage and exclusions thoroughly
  • Don’t judge a plan by its premium alone. Always choose a plan based on its coverage and not on premium


Do you know what is day care treatment do check out our short video below:

  • When to buy health insurance?

You should buy health insurance at the earliest. Buying the plan at a younger age ensures comprehensive coverage at the lowest premium.

The increase in medical costs cannot be avoided but you can prevent these costs from eating into your savings by buying a health insurance policy. The policy would give you financial security in a medical emergency and take care of the costs incurred. You can, therefore, have mental peace and also quality healthcare at your disposal.

Read more about How to save income tax in 2019

Smart health technology lowers health insurance premiums

This is the age of smart apps and smart gadgets which have made our lives more advanced and simplified. Technology and the internet have brought about a major change in our lives as everything is now available quite literally on your fingertips. Even in the case of health insurance, technology has digitalised the whole process of buying and selling health insurance policies. Insurance companies are now offering their plans online. They have even developed mobile apps which can be downloaded on your Smartphones and used to buy, track and monitor health insurance policies.

Besides technological advancements, the importance of healthy living has increased in recent times as people are increasingly making efforts to keep themselves healthy. Organic living, trendy exercise activities like Pilates and Zumba, vegan diets and other trends have taken a centre stage. Promoting these are smart wearables like fitness bands and smartwatches, health-related mobile apps and blogs and modern day living is all about healthy living. With healthy living being the modern day mantra and technology providing everything at your disposal, the health insurance market has seen a paradigm shift. Insurance companies have understood the concern of millennials to lead a healthy life and have, as such, launched their own health programs. Did you know about it?

Besides offering a whole lot of coverage benefits, health insurance plans also offer various value-added benefits. These benefits are wellness programs and initiatives which help you maintain and lead a healthy life. You get personalised health assessments, on-call doctors, lifestyle advice, health advice, etc. through these wellness programs. Besides promoting good health, these wellness programs are also aimed at reducing the claim experience of the insurance company. As you live healthily, there are low chances of your falling sick and making a claim in your health insurance policy. Because the insurer’s claim incidence reduces, you are offered premium discounts on renewal premiums. A win-win situation, don’t you think?

When you come to think of these value-added health programs, the first instance which you can see is the one offered by Apollo Munich. In many of its health insurance plans, Apollo Munich offers a ‘Stay Active’ benefit. Under this benefit, you are awarded a premium discount if you take a specified number of steps in one policy year. If you are wondering how your steps are counted, Apollo Munich has an app for that purpose. You just have to download the app on your Smartphone and when you buy a policy, the app starts counting the number of steps you take. Your steps are recorded in the app and after a year when the policy gets renewed, you get a premium discount based on the number of steps you have taken during the year. Isn’t it a perfect combination of technology and healthy living? Another example is Max Bupa’s Go Active Health Coach which offers discounts for healthy living.

With insurance companies offering specialised health programs, apps and premium discounts for healthy living, who wouldn’t be motivated to lead a healthy life? So, use the latest technology to your advantage and make your health insurance policy smart with attractive premium discounts.

Read more about How to save income tax in 2019

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Don’t hide your pre-existing illnesses when buying health insurance

One of the most common mistakes which most of you commit when buying a health insurance plan is not disclosing or lying about your medical condition when filling up the proposal form. You believe that disclosing your existing medical complications would either result in the rejection of the policy or, if the policy is accepted, the premiums would be increased. What you don’t realize is the fact that hiding about your pre-existing conditions would put your claim in jeopardy if the claim occurs due to such conditions. As such, informing the insurance company about your pre-existing illnesses is a wise thing to do. Health insurance companies allow coverage for pre-existing illnesses with some terms and conditions. Let’s understand what these terms and conditions are –

Definition of pre-existing illnesses

Pre-existing illnesses or conditions are those medical ailments which you already suffer from at the time of buying a fresh health insurance policy.

How pre-existing illnesses are covered in health insurance plans?

Health insurance plans cover pre-existing illnesses after a specified duration which is called the waiting period. Every policy has a waiting period of 1 year to 4 years for pre-existing conditions. During this waiting period, any medical complications arising out of pre-existing illnesses would not be covered by the policy. However, if the policy is renewed continuously, once the waiting period is over, pre-existing illnesses would be covered. After the waiting period, complete claim settlement would be allowed for any medical complication which arises out of pre-existing conditions subject to the conditions mentioned in the policy you purchased.

Read more about What is waiting period in health insurance?

Why is disclosing pre-existing illnesses necessary?

Health insurance policies are policies of ‘utmost good faith’. The insurance company would assess your risk and accepts your proposal based on the information you provide in the proposal form. If you hide about your pre-existing conditions, you breach the principle of utmost good faith. As such, when a claim is incurred because of the hidden information, the company holds the policy null and void and rejects your claim. To avoid any possible claim rejection, disclosing your pre-existing conditions is essential. Though coverage would not be available in the initial few years of the waiting period, you would ultimately enjoy coverage for your pre-existing conditions when the waiting period is over. So, it is better to disclose about your conditions and wait for coverage rather than hide the information and run the risk of claim rejection.

Know about health insurance claim in the below video


Buying a health plan with a pre-existing illness

  • If you suffer from any medical complication when buying a health plan, disclose the condition in the proposal form.
  • Look for health insurance plans which have low waiting periods so that your pre-existing illnesses get covered at the earliest.
  • Buy health insurance at a younger age so that you can wait out the applicable pre-existing waiting period and avail coverage when any illnesses develop.

Pre-existing illnesses do not mean that you cannot enjoy comprehensive health insurance coverage. You can. There is just a small waiting period after which you are offered coverage. So, don’t hide about your pre-existing illnesses when buying health plans. Disclose them and enjoy undisputed coverage.

Read more about 10 things to keep in mind before buying health insurance

Read more about Types of health insurance plans

Know your health insurance plan’s exclusion

Health insurance plans provide a comprehensive scope of coverage. You not only get coverage for hospitalisation related expenses but also for expenses which are incurred before and after hospitalisation as well. Moreover, day care treatments, domiciliary treatments, organ donor expenses, AYUSH treatments, etc. are also covered in most health plans. However, though the coverage under health plans is quite comprehensive, it is not all-inclusive. There are some medical expenses and treatments which are not covered by most health insurance plans. These are called exclusions and the list of exclusions usually remains the same across most health insurance policies.

Many of you don’t know about the common health insurance exclusions but you should. You should read the policy document of your health insurance policy to know what is covered and, more importantly, what is not covered under the plan. Knowing the exclusions would help you understand the exact coverage of your health insurance plan. Moreover, you can avoid making a claim for excluded expenses and suffer claim rejections. So, here are some of the most common health insurance exclusions for you to know –

  • Pre-existing conditions

If you suffer from any medical complications at the time of buying the policy, such complications are called pre-existing conditions. Coverage for pre-existing conditions is not available from the start of the policy. Such conditions are excluded for 2-4 policy years after which they are covered. So, if you suffer from any pre-existing condition and make a claim for the same during the waiting period, the claim would be rejected.

  • Cosmetic treatments

LASIK surgeries, cosmetic reconstruction and other cosmetic treatments are not included in the scope of coverage unless they are medically necessary. For instance, if you want plastic surgery, the surgery would not be covered in your health plan. However, if you suffer from third-degree burns and plastic surgery becomes a necessity, the same would be covered.

  • HIV/AIDS or other venereal diseases

Sexually transmitted diseases are not covered in health insurance plans

  • Attempted suicide or self-inflicted injuries

If you deliberately harm yourself or attempt suicide, the medical expenses incurred consequently would not be covered

  • Congenital diseases

Congenital diseases are also not covered under health insurance plans

  • Dental treatments

Dental treatment form part of OPD coverage and are usually excluded unless they become medically necessary because of an accidental injury. In some plans, however, OPD coverage is available and dental treatments might be covered under OPD expenses.

  • Pregnancy-related expenses

Health plans exclude maternity treatments and related expenses unless maternity cover is built in the plan or taken as an add-on.

Know more about Maternity health insurance.

  • Mental disorders

Treatments for mental disorders are not covered

  • War and related perils

Injuries or medical expenses which result due to war, riots, mutiny, civil unrest, nuclear contamination and other related perils are not covered.

  • Unproven treatments

Treatments which are unproven, experimental or unconventional are not covered under health insurance policies.

These are the most common exclusions which you can find in health insurance plans. You should read your policy document and understand the exclusions which are applicable in your health insurance plan. After all, you should know what your health plan covers and what it doesn’t.

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