Does the HealthAccess MedGuard plan contain an exclusion for intentional self-inflicted injuries?

The HealthAccess MedGuard plan indeed contains an exclusion for intentional self-inflicted injuries. This exclusion is common in health insurance policies as it aims to manage risk and costs associated with coverage. When insurers include such exclusions, they are outlining specific situations or conditions under which they will not provide benefits. Intentional self-inflicted injuries are typically categorized in this way because they can lead to a higher incidence of claims that are difficult to predict and manage, thereby impacting the overall cost of the health insurance product. Policies generally focus on preventing abuse while covering unforeseen accidents or health issues. The inclusion of this exclusion helps maintain the sustainability of the insurance pool by disincentivizing behaviors that could result in self-harm and subsequent claims against the insurance.