While taking health insurance policy, it remains in the mind of the policyholder that once the policy is passed, all the problems related to its health have been resolved. In case of any of his illness, he will not be burdened with the expenses of the hospital. But there are many medical treatment in the health policy that are not covered towards the insurance company and they do not get its money. These include already existing diseases and complications related to pregnancy. However, in the case of health insurance cover exclusion, the guidelines of the Insurance Regulatory and Development Authority of India (IRDAI) have to be followed.
5 medical remedies that are not covered in insurance policy
Cosmetic Surgeries
Cosmetic surgery is usually not covered by health insurance policies. Processes such as botox, liposuction, implants and similar surgery are excluded. Insurance companies do not pay money for treatment if the insurance cover is not involved.
Infertility/Pregnancy-Related Complications
Treatment has been excluded from health insurance coverage for infertility or pregnancy -related complications such as abortion or any other treatment. However, some maternity health plans offer coverage with certain conditions for these expenses.
Pre-existing illnesses already
Before taking a health policy, no disease in the body of the insured is covered in the policy. However, it includes waiting period. These waiting periods vary in plans of different companies.
For example, some insurance companies give coverage for diseases like diabetes, blood pressure, heart disease etc. But most of the policy waiting periods cover such expenses only after the completion of the waiting period. These waiting periods can be up to 12–48 months.
Hearing and visual treatment (Hearing and Vision)
The defects already already listening and watching are not covered. If there is no need to be hospitalized due to any accident, then the cost of that treatment cannot be covered in it.
Dental Coverage
Usually teeth related disease is not covered because their treatment usually does not require hospitalization. According to the CNBC-TV18 report, if dental treatment costs due to accidental injury, health insurance policies cover those expenses.
