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A Health Insurance plan is insurance that covers the cost of your medical, dental, and surgical expenses incurred by the insured. The insurance serves as a reimbursement for the insured person who has incurred expenses because of any injury or illness.
Health insurance will safeguard you against financial losses by offering proper coverage for medical emergencies. The best health insurance companies insurance covers the following expenses:
- Expenditure incurred during pre and post hospitalization
- Psychiatric support
- Annual health check-ups
- Maternity related expenditures
- Critical illnesses
When you buy a health insurance plan for yourself and your loved ones, you will notice that your insurer hands you over a list of exclusions on which you won’t be getting any coverage. These exclusions are in accordance with the guidelines of IRDAI or the Insurance Regulatory and Development Authority of India.
So, in case you raise a claim for any of the diseases which are mentioned in the exclusion list, your health insurance company has the right to reject your claims. Hence, it is necessary that while you buy a health insurance plan, research well about the list of diseases not covered under health insurance.
When you plan well and gain adequate knowledge about the exclusions, you will be in a better position to opt for a health insurance policy that caters to your and your family’s needs aptly.
Following are some treatments and conditions that health insurance does not cover. Let us dive deeper and get the exact details!
- Pre-existing illnesses: When it comes to pre-existing illnesses, you will always need to take confirmation from the insurer whether or not it offers coverage for specific diseases. Generally, the majority of the health insurance policies provide coverage for health conditions like blood pressure, diabetes, heart diseases, etc., after the completion of the waiting period. The waiting phase may last from 12 to 48 months. However, a few insurance companies are there which cover these health issues from day 1.
- Cosmetic surgeries: Know that different types of cosmetic surgeries, such as liposuction, Botox, implants, etc., are not covered by health insurance policies. But if you are planning to undergo any such surgery, you can discuss the issue with your insurance provider. But in general, a health insurance company won’t be compensating you for such medical expenses To read more about what is not covered in health insurance follow this link or visit the Quickinsure website
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