In today’s time, a big market has been formed for dermatology. Most people visit a dermatologist at least once in their life. In such a situation, the question arises in the mind of many people whether the expenses related to this are covered in health insurance.
The medical branch related to skin related problems and diseases is called Dermatology. The work of a skin specialist (dermatologist) is to treat any skin disease. A dermatologist diagnoses the skin disease and treats it accordingly. This includes skin, hair, nail, fat, oral and genital membrane cancer and cosmetic conditions. Dermatology treatment can be both medical and surgical. These treatments can be expensive. Chemotherapy for skin cancer or surgery to treat skin disorders can be heavy on your pocket. Along with this, cosmetic or plastic surgery is also one of the expensive treatments. Sometimes the treatments related to dermatology last for a long time. Due to which your savings can be affected. Hence it is important to know about the health insurance that covers dermatology treatment.
Does health insurance cover dermatology treatment?
Health insurance plans in India mostly cover Dermatology or skin problems. If you have a health insurance policy, you can claim to cover your treatment expenses for skin related problems. Skin cancer treatment can be covered under critical illness insurance policy as well as cancer insurance policy.
However, the scope of coverage may differ from one insurance company to another. For example, some health insurance schemes only cover hospitalization expenses for dermatology treatment or surgery. But in these schemes day care procedure and OPD consultation cast is kept out of the scheme. On the other hand, some health insurance companies may provide coverage for hospitalization costs, OPD consultations as well as day care procedures. Therefore, you must read the terms and conditions of the health insurance policy carefully before purchasing it to know what kind of Dermatology treatments are covered under the policy. The waiting period for a regular health insurance policy for skin cancer is mostly one or two years. On the other hand, under the critical illness insurance policy, skin cancer is covered with a survival period of 30 days after a waiting period of 90 days. If you are suffering from any kind of skin disease or cancer even before buying the policy. So this condition will come under pre-existing disease. In such a situation, you will have to wait for a fixed time period to end before claiming for the problem of Dermatology under the health insurance policy. Generally there is a waiting period of one to four years for pre-existing diseases. In such a situation, you will have to wait for a fixed time period to end before claiming for the problem of Dermatology under the health insurance policy. Generally there is a waiting period of one to four years for pre-existing diseases. In such a situation, you will have to wait for a fixed time period to end before claiming for the problem of Dermatology under the health insurance policy. Generally there is a waiting period of one to four years for pre-existing diseases.
What Kind of Dermatology Treatment Can Be Covered
You can cover skin treatment, acne, skin cancer removal, skin viral diseases, rashes, skin fungal infections, reconstructive surgery, psoriasis, skin allergies, poison ivy rash, port wine stain under dermatology treatment in health insurance.
What Kinds Of Dermatology Treatment Are Not Covered
Cosmetic surgery, non-accidental plastic surgery, botox, tattoo removal, fillers, chemical peels, microdermabrasion facial are not covered under dermatology treatment in health insurance.
