Know Which disease are Covered Under a Health Insurance Plan

With the rise of critical illnesses and medical emergencies, especially during this time and age, it has become imperative for all to invest in comprehensive health insurance plans. While there are many benefits that come with a health insurance policy, one should also know what about the add-ons as well as what is excluded.

If you ask your personal advisors, they can give you sound advice on what is the best health insurance coverage plan for you and what isn’t. They can help you give a complete understanding of what you need the most during uncertain times and how you can save your family and secure their future in the long run. However, at the same time it is also important to know what kind of conditions and treatments are not covered by health insurance. Some of them have been discussed in detail below.

Cosmetic Surgeries

Yes, there are numerous health insurance benefits, but, unfortunately, they don’t cover any luxurious surgeries. So, if you are planning to do cosmetic surgeries including liposuction, Botox, and other implants, make sure to exclude them from an insurance policy. You could also check with the insurer if you intend on undergoing any such surgeries in the long haul. Unless it is a part of any such treatment, most companies will not offer you any compensation for such medical procedures.

Pre-Existing Illness

Pre-existing diseases are also not covered in most of the health insurance policies. Several insurance providers will also provide you with coverage for heart patients, blood pressure, and diabetes but such health plans are limited to medical expenses that range between 12-48 months only. However, nowadays insurance companies like Aditya Birla Health Insurance have come up with new health insurance plans which cover Pre-existing health conditions as well.

Abortion & Pregnancy

Medical treatment expenses for abortion and pregnancy are not covered under health insurance. Sometimes the patient must undergo a cesarean section, but even for that, there is no such coverage provided by health insurance. While some can give you financial protection for abortion, but that’s only when the mother’s life is in danger. In cases of pregnancy, a few companies provide maternity covers, but it is always recommended to thoroughly check with your advisor during the purchase of insurance.

Health Supplements

Protein shakes, health tonics, fancy fat burners, and other supplements are also not covered under any health insurance plan. But, if your supplements are recommended by any doctor or even a medical practitioner during the treatment process, especially if the individual is hospitalized, then it rightly falls under the insurance plans.

Overall, if you want to avoid negative experiences and be able to protect your finances in a better way, make sure to read about their policies and term & conditions, so that you can have enough clarity about the disease and the inclusion of benefits. It is always recommended to avail a health insurance plan from a reputed provider such as Aditya Birla Health Insurance. They help you get a better understanding of what is covered in insurance and what isn't before availing any of their plans.