Understanding the exceptions in a Health Insurance policy helps you choose the right insurance and plan your expenses.
1. Chronic and pre-existing conditions
- Treatment of pre-existing conditions is often excluded or only partially covered.
- Before purchasing a policy, check which chronic conditions may be included under additional coverage.
2. Cosmetic procedures and aesthetic medicine
- Plastic surgery, cosmetic services, appearance procedures — almost always excluded.
- Exceptions are emergency cases after injuries.
3. Preventive care, vaccination, and wellness
- Some policies do not cover preventive check-ups, vaccinations, or wellness procedures.
- This is important for tourists and digital nomads who plan preventive care in advance.
4. Treatment abroad and transportation
- The policy may limit treatment to Georgia only.
- Emergency evacuation and transportation abroad often require additional coverage.
5. Other exclusions
- Injuries or illnesses related to extreme sports, unless specified in the policy
- Medical services not deemed necessary by a doctor (e.g., some dental or alternative treatments)
- Cases arising from violation of policy rules or ignoring doctor’s instructions
6. Tips for choosing a policy
- Carefully read the exclusion terms before buying insurance
- Use FAQ on Insurance to clarify typical limitations
- Compare policies in the plan comparison table and choose the option that minimizes your risks
7. Useful Internal Links
- General FAQ: FAQ on insurance
- Step-by-step guide: How to use insurance
- Local vs International: Plan comparison
- For Tourists: Best for Tourists
- For Expats: Best for Expats
- For Digital Nomads: Best for Digital Nomads