Exclusions are a list of items or conditions that are not covered by the general insurance contract. There are specific disease conditions or circumstances for which the policy will not provide benefits or coverage. There are certain diseases and conditions for which medical expenses are not covered by the health insurance policy. Exclusions can be of two types – permanent exclusions and first year/second year exclusions. Permanent exclusions are never ever covered by the policy for example, AIDS or expenses incurred on cosmetic surgery. First/second year exclusions are ailments which are not covered for the first/second year of health insurance cover, but are covered subsequently. For example, surgery for tonsillitis is usually not covered in the first year but is covered starting the second year.
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