Permanent-Exclusions-in-Health-Insurance (1)
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Permanent exclusions in health insurance are specific medical conditions, treatments, or scenarios that insurers never cover, regardless of policy tenure. Unlike temporary exclusions with waiting periods, these remain excluded permanently. Standard exclusions include cosmetic surgery, infertility treatments, obesity management, or injuries from unlawful activities. Disease-specific exclusions may apply to pre-existing conditions like HIV, epilepsy, or chronic kidney disease, as per IRDAI rules. Understanding exclusions helps policyholders avoid claim surprises and make informed choices.
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Permanent-Exclusions-in-Health-Insurance (1)
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