Pre-existing conditions, behavioral and personality disorders, and cosmetic surgery are among the top eight health insurance exclusions. Learn more about these exclusions that your health insurance may not cover in Pacific Prime’s latest infographic.

At Pacific Prime, we do our best to make insurance jargon simple so people can understand their policies better. Our latest infographic, created by our team of health insurance experts, highlights the top eight most common health insurance exclusions. Read on or secure your policy now.

What Can You Find in Our Health Insurance Exclusions Infographic?

As mentioned above, our experts have picked out the eight most common items insurance plans usually exclude:

• Pre-existing conditions
• Behavioral and personality disorder
• Fertility treatment
• Sleep disorders
• Specific scenarios
• Cosmetic surgery
• Obesity
• Acquisition of an organ

In addition to the top eight most common exclusions, our infographic also explains each point so you can further understand why these elements are excluded. For example, cosmetic surgeries are excluded due to being an elective treatment: they are not considered medically necessary.

If you are shopping around for health insurance, feel free use this infographic to better prepare yourself so that you are not caught off guard by coverage exclusions!

Add-Ons and Medical Necessities

Add-Ons

When talking about exclusions, it is important to note that certain coverage can be added at an extra premium. For example, dental and optical benefits can be added to your initial healthcare plan.

Add-ons will make your policy cost more but can represent better value in the long run, depending on your specific needs. For example, if you work in front of a screen all day long, getting optical care added might be worth the increasing premiums.

Medically Necessary Treatment

Elective surgeries are usually not covered by insurers, as they are not deemed medically necessary. However, there has been a call by officials, such as in Hong Kong, for insurers to make the term clearer as patients have their claims rejected due to their treatment being deemed unnecessary.

Have More Questions Surrounding the World of Insurance?

Pacific Prime’s health insurance experts work hard to make sure our readers are up to date on everything going on in the insurance world. For more informative content like this, visit our blog page or check out our reports and infographics to gain insiders’ insights when purchasing your policy.

If you have any questions, visit Pacific Prime’s website today or if you would like a free quote, contact one of our health insurance experts today for some free advice.

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Ninnart Ratanasukhon

Content Creator at Pacific Prime

Ninnart is a content writer at Pacific Prime. She graduated with a Bachelor of Arts in International Social Sciences from University of Tsukuba, Japan. Prior to her arrival at Pacific Prime, her professional pursuit has taken her everywhere from an online publisher dedicated to raising Thai people’s awareness of the aging society to an international organization working to enhance regional academic collaboration. Through such experience, she has gotten her hands on various kinds of content, from colorful photo albums on ballroom dancing to news articles summarizing insights from the senior thought leaders of Southeast Asia’s higher education sector.

Coming to Pacific Prime, she is ready to utilize her experience for the new pursuit. With a strong passion for storytelling and writing, she hopes her words could help bring people closer to the best international health insurance plan that works for them. After all, as a writer, there is no greater honor than when one’s words can add clarity to the world of the readers.

Apart from writing, she is an avid planespotter. On the weekends, you can expect to find her loitering around the airport, gawking at all the aircrafts taking off and landing. When the weather does not permit planespotting, you can find her huddling on her cozy couch, watching ballet and figure skating as well.

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