by CWR

The fine print in health insurance policies is rarely the stuff of casual reading, but 2024 has brought about some unexpected changes that demand our attention. As someone with over a decade of experience in the insurance industry, I recently delved into the intricacies of the latest health insurance policies and stumbled upon a notable alteration – the inclusion of exclusions related to war, declared or undeclared, riots, and insurrection.

This departure from the standard language in insurance policies raised my eyebrows, prompting a deeper exploration into major insurers like Cigna, United, and Anthem. In the 2023 policies, the language typically hinted at a commitment to providing services even under extraordinary circumstances like disasters, epidemics, war, riots, or insurrections. However, the 2024 versions from Cigna, United, and Anthem now explicitly exclude coverage for illnesses, treatments, or medical conditions resulting from war, whether declared or undeclared.