UNDERSTANDING INSURANCE - EXCLUSIONS

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This page contains dozens of short articles that will help you quickly understand international insurance. For example, terminology, purchasing details and managing your insurance coverage are topics that are all covered within these articles. Choose an Article From the Topics Below

EXCLUSIONS

Most of us, when we look at an insurance policy, ask, "What is covered?" That's a good question. Another good question is, "What is excluded from coverage?" Sometimes by studying the “Exclusion” section you will quickly determine that the policy will not work for you.

I have listed a few of the 34 items on one company's “Exclusion” list that say a lot about the policy: Pre-existing conditions; dental examinations; expenses of normal pregnancy; care of a new born child; treatment of acne; treatment for mental, nervous or emotional conditions or sickness; and treatment of Substance Abuse.

Often the "Exclusion” list is printed in such a way (small print, no paragraphs, etc.) that it is not easily read. Yet it is important that you check it out. Remember the old insurance adage: “The large print giveth and the small print taketh away.” The originator of the adage must have been thinking about the “Exclusion” list.