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Health insurance plans are designed to offer health cover that ensures financial assistance to insured individuals at the time of medical contingencies. These products cover health issues caused due to diseases, accidents and so on. Every product has defined coverage limits, which are clearly stated in the policy wordings of the plan. It is, therefore, advisable to go through the coverage limits of the plan and understand it well before making the decision of buying the same.
Every plan has a list of exclusions, which include all uncovered perils. The insurer does not offer coverage for these incidents, if the insured comes across them. This is one of the main clauses that a person should ponder over. Some of the main exclusions of a health policy are as follows:-
  • Hospitalization due to war or any act of war due to nuclear, chemical and biological weapons or radiations of any kind.
  • Any Insured Person committing or attempting to commit a criminal or illegal act, or self injury or attempted suicide while sane or insane.
  • Any Insured Person’s participation or involvement in naval, military or air force operations, racing, diving, aviation, scuba diving, parachuting, rock or mountain climbing.
  • Abuse or the consequences of the abuse of intoxicants or hallucinogenic substances.
  • Expenses arising from sexually transmitted diseases, like AIDS.
  • Non-allopathy treatment, congenital diseases, mental disorders etc.
  • Items of personal comfort and convenience.
Besides this, one of the main points that people should have in mind is the concept of waiting period. Until the waiting period elapses, there is no coverage offered. For example, if a pre-existing disease coverage comes with a waiting period of 3 years, it means that since the day the policy has been issued, there would be no coverage for the first three years. Similarly, the waiting period for some other disease might be different.
The other factor that one should focus on is the deductibles. This is the amount that has to be paid by the individual in case of a health emergency. Similarly, one should also go through the co-payment, which is an amount that the insured would have to pay. In case of co-insurance, a given percentage of the medical bills would have to be paid by the insured.
The Health Insurance Company only pays a maximum of the sum insured in case of medical emergencies. Thus, it is advisable to opt for wider coverage so that monetary issues are no more a constraint in the path of seeking quality medical treatment. In addition to this, one should read all terms and conditions of the plan before buying the same, so as to have better coverage.
Apollo Munich takes care of all the problems faced by people and thus, brings terms and conditions that are free of jargons, such that there is no confusion amongst its customers. One of the unique aspects of its products is that there are no sub limits in its products’ coverage limits. This ensures that its clientele is offered wide coverage. 
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