You must read the prospectus/ policy and understand what is not covered under it. Generally pre-existing diseases (read the policy to understand what a pre-existing disease is defined as) are excluded under a Health Insurance policy. Further the policy would generally exclude certain diseases from the first year of coverage and also impose a waiting period. There would also be certain standard exclusions such as cost of spectacles contact lenses and hearing aids not being covered dental treatment/surgery ( unless requiring hospitalization) not being covered convalescence general debility congenital external defects venereal disease intentional self-injury use of intoxicating drugs/alcohol AIDS expenses for diagnosis x-ray or laboratory tests not consistent with the disease requiring hospitalization treatment relating to pregnancy or child birth including cesarean section Naturopathy treatment.