In a world where the cost of healthcare has been increasing every year, it is difficult for numerous families to afford basic treatment. This is especially evident for middle-class families. Unaffordability of treatment can lead to the loss of loved ones. This is where having a good health insurance plan can come in handy during emergencies. There are various plans that are affordable and can be easily bought by anyone.

The main objective of a health insurance plan is to help in covering the expenses of a medical treatment. However, there are certain exclusions that are there in the health insurance plan that you should be aware of as a policyholder. Given below are 4 exclusions of health insurance plan:

  1. Hospitalization due to drug abuse

Consumption of drugs is illegal in India. Drugs cause long term health problems and are harmful for everyone. Addiction to drugs can lead to the complete destruction of one’s life. One of the major reasons why drug consumption is harmful is because people usually overdose on drugs such cocaine and heroin. People who overdose on drugs need to be rushed immediately to the hospital. Overdosing on drugs can also cause death. If you get hospitalised due to the consumption of drugs, your health insurance plan will not compensate for your hospitalization.

  1. Hospitalization due to self-injuries

Mental health in India is an issue that is not highlighted much often. People suffering from depression, stress or anxiety do not get immediate help. Even if they do, the treatment given to them is not that helpful at all. Ignorance of such individuals can lead them to take drastic steps that involve causing self-harm to themselves. If that person gets severely injured in an attempt to self-harm themselves, and it leads to their hospitalisation, the health insurance plan will not cover the expenses incurred during hospitalisation.


Read Original Content:- What are the exclusions of a family health insurance plan?

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