exclusion
Also called: eksklusi, pengecualian polis
A list of conditions or events not covered by an insurance policy.
What it means
An exclusion is a list of conditions or events not covered by an insurance policy. It may include certain diseases, intentional acts, or events that occur while breaking the law. Exclusions are usually written in a specific section of the policy and must be read before buying. In Indonesia this term is also called eksklusi.
Why it matters for families
Exclusions define the real limits of protection, not the benefits promised. Families who skip this section may think all risks are covered. As a result, large claims can be denied when needed. Take time to read the list of exclusions before signing a policy.
Example
Suppose a health policy excludes treatment resulting from high-risk sports without supervision. If a family member is injured in that activity, the cost may not be covered. This is a general illustration, not a quote from a specific policy.
Common misunderstanding
Many people think exclusions only concern pre-existing conditions. The correction is that exclusions can cover many things, including certain acts and risky situations.