It is very important you know what will and will not be covered before you take out a policy. Policies are intended to cover acute conditions as opposed to chronic conditions, such as diabetes. Most policies will cover acute flare ups providing it is not excluded in the underwriting. Typically the below are not covered:
• Chronic conditions
• Emergency treatment
• HIV/AIDS
• Fertility Treatment
• Cosmetic Surgery
• Pregnancy and childbirth costs
• Organ transplants
• Treatment for alcoholism or substance abuse