Some Common Physician Disability Insurance Policy Exclusions

Almost all insurance policies of any kind include situations that are excluded from coverage and physician disability insurance coverage is not different in that aspect. Disability insurance for doctors, often different in benefit levels, can often look like other coverages in its exclusions. Here are a few that tend to be common to many plans:

• Mental disorders. While often a debilitating condition, this type of disability is often limited in a disability insurance policy.
• Acts of war. A common exclusion from many insurance policies.
• HIV (Human Immunodeficiency Virus). HIV infection is excluded from the majority of coverages.
• Pregnancy. Pregnancy is sometimes not covered in a disability policy; read the proposal and the policy carefully.
• Active military duty. A physician called to active duty is a noble and worthy activity, but most disability insurance policies will not cover an injury incurred during active military service.
• Foreign travel. An injury or illness contracted while traveling outside of the country is often excluded from coverage in many disability insurance policies.

Other exclusions may be included in your doctor disability insurance policy. Take the time to read all the provisions of your doctor's disability insurance policy so you become familiar with the specific exclusions included in your coverage. Refer to your insurance policy contract for specific information regarding your coverage and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.