Every medical insurance provider has its own set of exclusions and conditions to policies. It should be a rule of thumb to discuss these details before buying a policy. However, some exclusions you can expect to encounter are the following –

• Inessential operations

Anything deemed unnecessary to the well-being and immediate health of the policyholder will not be covered by the medical insurance policy. These can include minor procedures that don't alter an individual's health and new-age processes such as laser technology.

• Anything cosmetic

Similarly, cosmetic procedures are deemed unnecessary. They are not emergency procedures and don't imply life-threatening diseases or accidental injuries. Therefore, they are not included in medical insurance because they hardly contribute to better health of the policyholders.

• Fat loss procedures

Procedures that encourage fat loss or curb obesity, such as gastric banding and laser surgery, aren't covered by medical insurance. It may seem like a harsh exclusion since obesity is a genuine health concern. But insurance providers argue that regular exercise and a healthy change in lifestyle should supersede the procedures as they are required under infrequent circumstances.

• Dental and optical care

Like most medical insurance across the globe, insurance companies do not include dental and optical care and provide the option of adding them to the original policy at a higher cost. Very few policies cover basic emergency dental care.

• Waiting period for maternity or other pre-existing conditions

Health insurance policies do not include maternity care, chronic pain, and pre-existing conditions covered at the outset of a policy. They require a waiting period before these covers are included in the policy. Each provider has a waiting period, so check what it is before signing up.

• Self-harm

Any sign of self-harm or attempted suicide will void medical insurance. These instances are not covered by medical insurance and are used by the provider to deny all coverage.