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Exclusions in International Health Insurance

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Exclusions in International Health Insurance

Exclusions in International Health Insurance

When you are looking for an international health insurance plan, it is important for you to look at the limitations and exclusions under it in details. Most international health insurance plans have exclusions and limitations, but you need to know what other limits there are regarding benefits, so that you know whether you are comfortable with it. Exclusion refers to a medical expense that the insurance company will not reimburse. These are some of the common ones

  • Medical costs that are specifically mentioned in the exclusionary rider provide to you.
  • Treatments undertaken to treat substance abuse.
  • Medical procedures conducted for experimental purposes.
  • Government sponsored services or provided for another insurance company.
  • Procedures or programs undertaken for weight reduction.
  • Cosmetic surgery unrelated to accidents or injury.
  • Infertility treatment.
  • Contraceptives.
  • Self inflicted injuries.
  • Treatments which are considered medically unnecessary by the company.
  • Injuries sustained as a result of terrorism or acts of war.
  • Charges that are over and above those considered Reasonable and Customary for that type of treatment in that particular locality.
  • Apart from these common exclusions, there may also be certain limits imposed on the maximum amount of benefits a company is willing to pay. These maximum limits may be less than the overall maximum being offered by the insurance company. These limits should be clarified in the plan you receive and these exclusions may be applicable to the benefits in international health insurance mentioned below
    • Treatments received for mental illness
    • Maternity coverage
    • Newborn care
    • Physical therapy
    • Emergency medical evacuation
    • Repatriation of remains
    • Dental care
    • Life insurance

Certain maximum limits are applicable on an annual basis while there may be certain others applying to the lifetime of the international health insurance policy. You should also review the information on choosing international health insurance before putting in an Application for International Health Insurance.


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