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Know What Your Health Insurance Does Not Cover

Published On Jul 16, 2021 12:00 PM By Kanika Wadhwa

Buying a health insurance plan is important as it helps in easing the financial liabilities that can possibly arise because of surgery, healthcare emergencies and critical illness. Health insurance providers offer various kinds of health plans along with benefits and multiple add-on covers. It is recommended to choose a plan that best meets your needs and provides you with the much needed financial assistance during difficult times like hospitalisation expenses because of any unforeseen illness or injury. Additionally, it is also important to be aware of the treatments and medical conditions that your health insurance plan does not cover. Some of them are explained below:

Know What Your Health Insurance Does Not Cover

  • Pre-existing Illness

    This differs from one insurance company to another i.e. while there are some insurance companies that offer coverage against high bp and diabetes whereas the rest of them do not. Some of the insurance providers provide coverage for pre-existing illnesses in case the insured continues with the same insurance plan after a specific time duration like 12 to 48 months.
  • Pregnancy and Abortion

    Treatment expenses associated with pregnancy and abortion does not get covered under a health insurance plan. Be it complications arising due to pregnancy or C-section, insurance companies do not regard pregnancy as a condition that can be included under a health plan. The insurance companies generally does not offer financial assistance for abortion till the time it is important in saving the life of a mother. Please note that abortion done voluntarily is not covered under a health insurance plan.
  • Cosmetic Surgery

    Any cosmetic or aesthetic surgery is not dangerous or life threatening. Therefore any such surgeries like botox, liposuction or other similar surgeries are not covered under a health insurance plan.
  • Health Supplements

    Any health related supplements such as protein shakes and health tonics, which is not consumed by a person in order to counter any illness is not covered under a health insurance plan. However, in case these supplements are suggested by any doctor or medical practitioner during the hospitalisation as a part of treatment, only then it can be covered under a health plan.
  • Illness due to Overconsumption of Intoxicating Substance

    In case, any disease is tracked because of overconsumption of intoxicating substances like alcohol, then your insurance provider has the complete right to reject the claim raised under your health insurance plan.
  • Expenses due to Alternate Treatment

    Any expenses incurred by a policyholder on alternative treatments or therapies such as acupressure, acupuncture, naturopathy, reflexology, etc are not covered under health insurance plan.

In a Nutshell

To avoid going through any negative experience in the future and to handle your expenses in a more organized manner, it is highly suggested to go through the policy wordings clearly in order to form a better understanding on what all is covered and all the coverages that are excluded from the plan.

Must Read: Common Exclusions in Health Insurance Plans

Exclusions and Waiting Period: Know Them Before Choosing a Health Policy

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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