What Expenses are Not Covered in Health Insurance Policy?
Here is the listing of medical expenses that your health insurance insurance policies do not cover.
The health insurance policy covers many expenses but some expenses are excluded from the coverage of the insurance plan. The research and planning plans has to be done before choosing a health insurance plan of an individual’s choice. Therefore, a person has to choose a plan that has minimum exclusions and maximum coverage.
So a policyholder must read the policy coverage wordings from the begining till the end. So that you can get a clarity on both inclusions and exclusions of diseases.
Health insurance is a contract that’s availed by maximum residents in India. The contract is among the insurer and the policyholder wherein the insurance company gives medical coverage to the insurer under certain limit.
There are numerous benefits of health plans, like pre and post hospitalisation, medical checkups, room rent coverage, cashless facilities etc. The advantage of health insurance is assured in a medical emergency.
LIST OF MEDICAL EXPENSES HEALTH INSURANCE DOESN’T COVER:
- Cosmetic procedure
Nowadays, people are more concerned about the transformation of their looks through cosmetic surgery like botox, liposuction, and implants, that are excluded from the health insurance policy. Insurance firms don’t encourage the cosmetic treatment based medical procedures.
- Fertility treatments
The health insurance companies don’t include surgical treatment like infertility, abortions and pregnancy-associated issues.
There is an exlusive maternity plan that covers all pregnancy-associated expenses but not the basic health plans.
There is probably women-specific healths plans to cover such expenses.
- Health dietary supplements
Health tonics and dietary supplements aren’t covered in health insurance plans.
On the advice of the physician treating it, the fees may be claimed.
The dietary supplements consumed without any prescription aren’t covered under the policy.
- Diseases associated with the over intake of alcohol
Individuals who’ve developed any disease due to over consumption of alcohol can cause damage to the organs like the liver and kidney. In such cases, the insurance companies have the right to reject such insurance coverage claims.
- Diagnostic charges
The diagnostic or pathological services including scans, blood tests, and body tests can be performed at nursing home or clinic or hospital are excluded.
Thus, it’s far possible if the policy covers them in particular when it is required as part of the treatment.
