The answer to your question is: No. While its true that health insurance plans do offer to cover most medical emergencies and conditions, the cover is subject to various exclusions. These exclusions are of two types:

- Temporary exclusions: These are the expenses that a policy won’t cover for a timeframe decided and defined by the insurance company.

- Permanent exclusions: These are the expenses that a policy will never cover.

Permanent exclusions can include:

- Pre-existing illnesses

- Congenital disease

- HIV/AIDS

- Non-medical expenses

- Injuries or ailments acquired in the course of conducting illegal activities

- Routine medical exams

- Dental procedures

- Joint replacements unless it is necessitated by an accident

- Experimental treatments

- Injuries or medical conditions caused by terrorist acts or wars.