What does health insurance not cover? 7 Exclusions you need to know
Introduction
Let’s know What does health insurance not cover? Many medical treatments are not covered by health insurance and every insured person and every insurance agent needs to know this information because I believe that any good or service is more important than buying it. That’s how it works, now when it comes to our health insurance, we should know what is covered and what is not, if you do not know this then you will adopt a negative attitude towards health insurance.
Following are some examples of Permanent executions in Health Insurance :-
Pre-existing disease–
Expenses related to the treatment of pre-existing disease (PED) and its direct complications will be excluded till expiry i.e. no claim will be available, in some plans this waiting period is 24 months or 36 months It can be of one month or even 48 months.
Specified disease/procedure waiting period –
These include those diseases or medical treatment procedures that develop slowly in the human body. Such as stone surgery, cataract surgery, etc., all are covered under every health insurance. The plans have a waiting period of 24 months.
Investigation & Evaluation and Experiment –
Even in this situation, the insurance company does not give the claim. Any clinical expenses that are not related or incidental to the current diagnosis and treatment are excluded.
Rest Cure, rehabilitation and respite care –
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. It also includes:- custodial care for personal care either at home or in a nursing facility such as assistance with activities of daily living such as bathing, dressing, ambulation, physical, and Any service provided to terminally ill people to meet social, emotional and spiritual needs.
Change-of-gender treatments –
Cosmetic or Plastic Surgery, Hazardous or Adventure sports, Breach of law.
Life Style Habits–
Alcohol, drug or substance abuse or treatment of any addictive condition and its consequences, Dietary supplements, Refractive error (if less than 7.5 dioptres), Infertility, Obstetric expenses.
War –
any action arising directly or indirectly out of or resulting from war or any act of war, invasion, act of a foreign enemy, warlike action, operation (whether or not war has been declared) or any action by the armed forces of any country The clam is also not awarded on events relating to civil war, public defence, rebellion, insurrection, revolution, rebellion, military participation or participation in naval, military or air force operations.
Its detailed information is available to you in the “Policy Wordings”, and “Benefits Table” of the health insurance product, which should be read carefully.
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