Inclusions and Exclusions of Health Insurance Policy

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Inclusions and 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.

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