Health insurance exclusions


Which are the diseases that health insurance does not pay?



Although the answer to this question can vary from policy to policy, here are some of the diseases that aren’t usually covered in a Health Insurance.

Pre existing diseases :Pre existing diseases are which you may have had prior taking the policy such as high blood pressure diabetes etc will not be covered under the health insurance policy; also the complications arising in the future due to pre existing diseases would not be covered. However some companies do cover pre existing diseases after continuous renewal of policy without any breaks.

Some specific medical condition : Some medical conditions such as hernia, cataract, gall bladder stone removal, calculus diseases, hydrocele, joint replacement, sinusitis, Fibromyoma, Benign prostatic hypertrophy, piles, fistula in anus and age related ailments like Osteoarthritis and Osteoporosis are not covered for a specific period of time, this time duration is different in each insurance company.

Cosmetic surgery : Cosmetic surgery are usually not covered in health insurance as it does not affect an individual life and it is not life threatening.Cosmetic surgery like liposuction, Botox and others are not part of the health insurance cover.

Abortion :Abortion is still in debate, whether to legally approve it or not so it is excluded from the health insurance package.

Pregnancy :Pregnancy treatment and any emergency arising in due course like caesarean section are not covered under health insurance.

Cost for Alternative therapy : Alternative therapy like massage, aromatherapy, reflexology, acupuncture, acupressure, naturopathy and other related therapies are not supported since these are not part of conventional medicines.

Diagnostic charges :Diagnosis charges to identify the presence of the diseases performed at hospital or nursing home are not usually payable by medical insurance.

Extra charges :Service charge, registration fees, admission fees and any other additional charges would not be reimbursed in medical insurance.

Supplements :Costs for vitamins and other health tonics which are not part of the treatment for any disease or injury is not considered for reimbursement.However, if these supplements are given by the physician for the part of the treatment when a person is hospitalized, then it would be covered in medical insurance.

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Team BB