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Does Health Insurance Policy Cover Dermatology?

Published On Jan 13, 2022 10:00 AM By InsuranceDekho

Living with skin issues may be a nightmare. They are not only annoying and uncomfortable, but in severe circumstances, such as in the case of skin cancer, they can even be deadly. Furthermore, leaving any skin condition unattended will simply allow it to worsen. This is why you should always address dermatological issues as soon as possible.

Over the last few years, dermatology has become much more common in India. The majority of individuals see a dermatologist at least once in their lifetimes, with a few others needing to see them on a regular basis. This leads many consumers to ask if dermatological treatments are covered by their health insurance plan. In this essay, we'll try to discover a solution to this question. To find more about the dermatology coverage under health insurance, read on.

Does Health Insurance Policy Cover Dermatology?

What Is Dermatology?

Dermatology is the field of medicine that deals with skin disorders and illnesses. A dermatologist or dermatology specialist's responsibility is to identify any skin ailment or illness and recommend therapy accordingly. Dermatology deals with cancer, ageing, and aesthetic conditions of the skin, hair, nails, fat, oral, and vaginal membranes.

Is Dermatology Covered Under Health Insurance?

Dermatology is a discipline of medicine that specialises on the treatment of skin problems. This covers not just minor skin issues such as acne, rashes, and scars, but also more serious skin disorders such as skin cancer and dermatitis. Dermatology encompasses all operations relating to skin health and issues, from diagnosis to treatment. When it comes to whether dermatology is covered by health insurance, the answer is yes.

Skin disorders may appear little in comparison to other forms of medical concerns, yet they are just as worrying, if not more so. Furthermore, they are quite pricey, making a health insurance coverage extremely beneficial. The amount of dermatological coverage given by a health insurance policy varies from one insurance company to the next. Dermatological issues can be brought against critical sickness insurance, cancer insurance, consultation insurance, and other similar benefits. This is mostly determined by the nature of the problem and the health insurance company's coverage. To guarantee that you do not lose any advantages, read the terms and conditions of your policy paperwork completely.

Dermatological Concerns Not Covered Health Insurance

Most skin disorders and concerns, including but not limited to skin scar removal, skin allergies, keloid scars, acne, skin cancer, and more, are covered by health insurance coverage. The policy may cover both surgical and pharmaceutical procedures. There are, however, some skin issues that are not covered by health insurance programmes. The majority of these operations are aesthetic in nature. Cosmetic operations such as Botox, tattoo removal, laser treatments, cosmetic surgery, or any other procedure of this nature will not be covered by a health insurance coverage since they are not deemed to be acute health problems.

Skin Cancer As Covered Under Health Insurance Policies

If you already have skin cancer, it will come under the pre-existing illnesses part of your health insurance policy when you buy it. In that instance, you will be unable to make any claims against the health insurance coverage for a period of time, generally between one and five years. When skin cancer is not caused by a pre-existing condition, the waiting time might be up to two years. If you file a claim for benefits linked to skin cancer under a critical illness policy, the waiting time is lowered to only 90 days.


Dermatological issues should never be overlooked or discounted, as they will only fester and become more problematic. Furthermore, treating them may become very expensive! Because of the public nature of the skin disease, it can cause stress and even sadness. As a result, it is advisable to take advantage of the dermatological advantages given by health insurance coverage in order to obtain the proper treatment at the right time. They are commonly included in most health insurance policies and only need to be claimed when the policyholder or person insured needs them.

Also read - Pradhan Mantri Atmanirbhar Swasth Bharat Yojana - All You Need To Know

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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