What is an Exclusion Rider?

A rider is an addition to an insurance policy.

An exclusion rider adds a limit to the policy.

On a medically underwritten  health insurance policy, a preexisting condition can be excluded from coverage.

For example: You've had surgery to repair an injury to your right knee before you purchased a new insurance plan. The new policy will offer you coverage that will not pay for further treatment of that knee, but may allow for treatment of the left knee or any other health problem.

Note: The Patient Protection and Affordable Care Act of 2010 (Healthcare Reform) has prohibits excluding pre-existing conditions for children and will end the practice on adults in 2014.

Also see:
What is underwriting?
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