Of course there are things that are not covered. Some examples are conditions you had before taking out the insurance which are commonly known as pre-existing conditions, long term illnesses which cannot be cured which are commonly known as chronic conditions, drug abuse, self-inflicted injuries, HIV/AIDS, infertility, normal pregnancy, cosmetic surgery, gender reassignment preventive treatment, kidney dialysis, mobility aids, experimental treatment, experimental drugs, war risks, injuries arising from dangerous hobbies often called ‘hazardous pursuits’.