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Typical expenses that are not covered by a general health insurance policy:

  • Any disease/injury within the first 30 days of commencing a policy, except accidental injury
  • Any treatment relating to any illness/disease already in existence at the time of the insurance proposal


There is a whole list of diseases and disorders where expenses incurred within the first two years from the start date of the policy are not covered. These diseases are typically covered from the third or fourth year onwards as pre-existing covers.

Health Insurance Exclusions: Basics

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Health Insurance Exclusions: Opinion

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