Health Insurance Policy Exclusions

Health insurance policy exclusions eliminate or limit your coverage.

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Hidden health insurance policy exclusions

Read your policy benefit section, making note of the medical services not covered. These are exclusions.

Find the definitions section. Read through them carefully making note of any definitions that do not exactly fit your own. Pay special attention to the definitions of the following terms:

  • medical emergency
  • medically necessary
  • accidental injury
  • experimental or investigational
  • pre-certification
  • pre-existing condition, and
  • reasonable and customary.

More hidden health insurance policy exclusions

Locate the section outlining procedures you must follow to get reimbursement. Read through this section carefully, take note of all the requirements that must be met before you can get reimbursement.

Comparing health insurance policy exclusions

Use an online service like eHealthInsurance.

Need more help deciphering the exclusions sections>? Fill out a free quote request form at Insurecom.


Next: State-by-state health insurance regulations and quotes

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