Exclusions and Limits: What Indemnity Plans Do Not Cover

Understanding exclusions up front prevents surprises later. While every carrier differs, these are the most common limits.

Common exclusions

  • Pre-existing conditions during an initial waiting period
  • Cosmetic or elective procedures
  • Injuries from illegal activity
  • Stays that are not medically necessary

Waiting periods

Some plans have a short waiting period for illness, while accidents are often covered immediately. Ask the agent to show these terms in writing.

Always read the Outline of Coverage. It summarizes benefits, limits and exclusions in standard language.
Want to see real prices? Get a free quote →

This article is for general information and is not insurance or legal advice.

More to Read

What Is Hospital Indemnity Insurance? A Plain-English Guide
Basics

What Is Hospital Indemnity Insurance? A Plain-English Guide

Read article
High-Deductible Health Plan? Why Indemnity Coverage Can Help
Costs

High-Deductible Health Plan? Why Indemnity Coverage Can Help

Read article
Medicare and Hospital Indemnity: Do You Need Both?
Seniors

Medicare and Hospital Indemnity: Do You Need Both?

Read article