There are various illnesses which are not covered in the policy (commonly known as ‘exclusions’). This is entirely dependent on the type of policy and the insurer. However, the following are almost always excluded:
• Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
• War, riots, strike, nuclear weapon, induced treatment
It is important to review the exclusions clause of products at the time of comparing health insurance products or at the time of purchasing one to ensure that you know what would be available under your health plan.