• zInternationalStudents Blog

  • Saturday, January 19, 2019

  • Health care exclusions you need to know

    Filed Under: Health Insurance

Many students who enroll in health care plans have some misconceptions. One of them is that a health care plan will take care of any and every eventuality that might need to be addressed during the coverage period. Though it is true to a certain extent, it is imperative to the know the most important exceptions to this.

Your typical health insurance will, most probably, have certain exclusions that you need to know about.

  1. Pre-existing conditions, e.g. a diabetic patient may not be covered for diabetes care
  2. Congenital defects, except for a new-born insured child
  3. Issues arising out of substance abuse
  4. AIDS and venereal diseases, unless with a specific plan meant for that purpose
  5. Plastic surgery, dental treatment, and other treatments that are not considered essential for health
  6. Injuries sustained when participating in sports activities (normal or extreme), unless covered by a sports rider
  7. Participation in investigative, experimental or research-based treatments

There might be some more exclusions besides the ones listed above. Also, it might be possible that some of these listed here might not be excluded in your plan. Remember that you will have to spend a little time reading the documents before making a decision.

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