An exclusion can apply across a policy or only to a particular benefit or insured person. A high benefit limit does not override it.
Read the wording and any individual terms together. Ask the insurer to identify relevant exceptions, amendments and endorsements rather than relying on a summary that says “comprehensive”.
For a comparison, use a separate row for each important exclusion and quote the applicable document location. Mark an unanswered question as unconfirmed rather than treating silence as cover.
Sources
- MoneySense: Health insurance terms: Know what you are paying for
Premiums; deductibles and co-insurance; exclusions; riders. Retail-health examples are not universal group-policy terms.
Reviewed 23 October 2026 · Source details