- Entitlement and access to public health care services
- Medical treatment: consent and withdrawal
- Advance Directives
- Taking care of a mentally incapacitated person: Guardianship or Committee
- Enduring Power of Attorney
- Elder abuse
- Medical negligence
- Medical insurance
- What is a medical insurance?
- Different types of medical insurance
- Common exclusions in medical insurance policies
- Utmost good faith
- Non-disclosure
- Medical evidence requirements
- Important matters to consider before taking out your medical insurance policy
- Practical tips for disputing a medical claim denial by an insurance company
- The Insurance Claims Complaints Bureau
- Questions and answers
- Care by residential care homes for elderly persons
Medical insurance
Common exclusions in medical insurance policies
The extent and content of exclusions vary from insurer to insurer. The following illustrate some common exclusions in medical insurance policies:-
- Pre-existing conditions and congenital deformities or anomalies
- Voluntary expenses, such as cosmetic treatment
- Routine treatment, such as checkups, dental work and optical therapy
- Childbirth and related expenses, such as maternity care, birth control and fertility treatments
- Exposure to, or involvement in, extremely hazardous events, such as radiation, war and dangerous activities
- Unacceptable coverage such as illegal acts, self-inflicted injuries or substance abuse
- Artificial limbs, including prostheses, appliances and braces
- Exceptional medical therapy, such as that involved in the treatment of mental disorders and rest cures
- Non-eligible expenses such as travel costs, and non-recognized and experimental treatment
- Injuries arising directly or indirectly as a result of participation in any professional or competitive sports
The above exclusions are not exhaustive, and it is important to study the terms of the Medical Insurance Policy carefully before purchasing it.
