What this worksheet is for
Use this while reading the exclusions and definitions sections of a sample policy.
Keep the quote, sample policy, carrier email, or claim notice beside the worksheet so every answer can be tied to actual policy language.
Fields to complete
- General exclusions
- Pre-existing-condition definition
- Hereditary, congenital, chronic, and bilateral-condition language
- Orthopedic and dental exclusions
- Preventive, elective, breeding, grooming, or cosmetic exclusions
- Waiting-period exceptions or waivers
- Sublimits or benefit schedules
- State endorsements that change the base policy
Decision notes
| Question | Your note |
|---|---|
| What could make you choose a different plan? | |
| Which term still needs written clarification? | |
| Which document should you save before proceeding? |
Before you rely on the answer
Verify any unclear term in the current sample policy or with the carrier. If the issue involves a complaint or insurance regulation, use your state insurance department as the regulator starting point.