Page 329 - Ebook health insurance IC27

Sashi Publications

Emergency Treatment Abroad
This refers to emergency treatment required while an insured person is outside his country
of residence for reasons such as a business trip or holiday.

Treatment Abroad
This refers to treatments outside country of residence, other then emergency.

Exclusions
Insurance is not designed to cover all the services a person might require. There are
some illnesses and treatments which are not covered these are common to most schemes.

General Exclusion
These are exclusions generally applied to most of the policies. A majority of the policies
include:
n Drug abuse
n Self-inflicted injuries
n Sexually transmitted diseases, HIV/AIDS, impotence
n Infertility
n Cosmetic surgery
n Gender reassignment (sex change)
n Preventive treatment
n Kidney dialysis
n Mobility aids
n Experimental treatment
n Experimental drugs (for example, genome project or gene therapy)
n Organ transplant

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