What is an exclusion clause?

An exclusion clause is a part of an insurance policy that explains what is not covered. In Washington, Health Insurance Law has exclusion clauses that specify what services or treatments are not covered by the policy. These clauses can vary widely because every insurance policy is different. Exclusion clauses help insurers limit their financial responsibility and manage risks. For example, if a policy has an exclusion clause specifying that it does not cover certain treatments, such as pre-existing conditions, it will not be liable for those treatments. Insurers in Washington have the right to deny care if it is not explicitly listed in the policy. That means it is important to understand the exclusion clauses in your health insurance policy before obtaining services. This will prevent you from being unexpectedly billed for something that isn’t covered. Exclusion clauses can also be used to limit coverage to certain circumstances, such as treatments performed in specific locations.

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What is an exclusion clause?

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