Health Insurance Tips: Cosmetic surgery is generally not covered in a health insurance policy. Similarly, there are many other things which are not covered in this.
Due to the Corona epidemic (COVID-19), there has been a lot of awareness about the health insurance policy across the country. People are taking health insurance policies in large numbers.
If you also do not have a health insurance policy and you are thinking of taking a new policy, then you should keep some things in mind. You should keep in mind that what are not covered in a health insurance policy:
Infertility / pregnancy related complications
Generally, individual health insurance plans do not cover any complications related to pregnancy like infertility or abortion and other types of treatment. In some insurance plans, some coverage is also available on the expenses associated with these but for this there may be conditions like a fixed waiting period and sub-limits.
cosmetic surgery
Generally, cosmetic surgery is not covered in health insurance policies. Surgeries like Botox, Liposuction, Implants are generally not covered in health insurance policies. Before undergoing any such surgery, people should ask their insurance company whether they cover such medical procedures or not.
pre-existing disease
If you are already suffering from any serious or prolonged illness, then initially this disease is not covered by taking a health insurance policy. This is commonly seen. This is an exception that people are generally not aware of.
However, different insurance companies offer coverage after a certain waiting period depending on the severity of the disease.
Having problems with the eyes or ears
If you are having any kind of problem in hearing or seeing, then the rules of insurance claim are different for this also. If you already have this type of problem, then you usually do not get the insurance benefit.
On the other hand, if a person has to face such problems due to an accident and has to be hospitalized, then in such a case a health insurance policy can prove to be beneficial for you.
dental coverage
Generally dental problems are not covered under insurance. The reason for this is that the person does not need to be admitted to the hospital for dental treatment. At the same time, if there is any problem due to accident, then it is covered in the insurance policy. Live TV
