Inclusions and Exclusions of Health Insurance Policy

GAURAV KANSAL 17:30 Personal accident No comments

Inclusions and Exclusions

Inclusions	Exclusions
Accidental death Permanent total/ partial disability Accidental dismemberment Medical expenses/ hospitalization charges Child education support Life support benefit Burns, broken bones and Ambulance Daily allowance	Pre-existing disability or injury Child birth or pregnancy Suicide or self injuries or under non-allopathic treatments Influence of intoxicants Committing a criminal act, or being involved in war activities Suffering from mental disorder Participating in naval, military, air force, adventurous or sports activities

Accidental Insurance Policies:

This policy can cover various aspects of insurance. Below policies are the best personal accident insurance in India and their coverage too:

Individual Policy:

This policy covers an individual in the event of any accident.

Group Policy:

Group policy is not for individuals. Taken by employers and has flexibility to include or discount certain factors/ coverage from the policy. Depending on group size, discount on premium might be offered as well. It is a good incentive/ value add benefit for small organizations as it isn’t high on cost.