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Health Insurance is an important thing to lighten the financial burden that may arise due to any medical emergencies. Having health insurance is a must in today’s time. With the help of a well-planned and suitable health insurance plan, an individual and their family members can enjoy all types of benefits that are attached to it. There are certain specific things that even any health insurance does not cover. In this article, we will look into the exclusive policies or plans that are not covered under these health insurance plans. With an understanding of these factors, a person can make a good decision on a health insurance policy that is beneficial for themselves and their family.
A health insurance plan is something that helps to cover all types of medical expenses. It might sound like it is a luxury item or a document that must be there to lead a comfortable life, however, it is a necessity now. There are seven types of Health insurance policies out there in the market to satisfy every individual and their family’s needs as well.
1. Individual Health Insurance Plan – This plan covers treatments and costs of a single individual only.
2. Family Health Insurance Plan – Under this plan, treatments, and costs are available for all the individual members included in this policy.
3. Senior Citizen Health Insurance Plan – This plan includes all the expenses and treatments of senior citizens. Such plans can only be obtained by people in the age group of 60.
4. Group Health Insurance – Such health insurance plans are usually extended to the company’s employees. These are cost-effective. However, the most important thing that one needs to be aware of is that this group health insurance plan is available to the employee until he or she is part of or works in a particular company.
5. Critical Illness Health Insurance Plan – This critical illness plan provides coverage at that particular point when there is a situation of critical illness. Or at the time of recovery of the patient.
At the time of buying a health insurance plan, a person should first look for all the advantages the individual is going to avail of the plan. There are some specific parameters that one should keep in mind before deciding on a health insurance policy :
- Try to look and research in a good way to know what all benefits the plan is covering for you and your family.
- The most significant factor which needs to be researched is the reputation of the particular health insurance policy that you want in the market.
- Check the ability of the company and how and when it meets the medical needs of the individual during a short-term event.
- Do keep check that your health insurance policy is covering a free annual check-up of you and your family members.
- Always choose a health insurance plan which has this lifetime renewability clause in their policies.
Now, there are some specific Health Insurance Requirements that one needs to know about before opting for a health insurance policy:
1. Documents requirement for Health Insurance policy – During the time of applying for a health insurance policy, they might ask you for some required documents that you must have. Such as:
1. Proof of age
2. Birth certificate/ Aadhar card.
3. Identity proof of the person.
4. Address Proof (Electricity Bill, Voting Id, Passport, Aadhar card)
5. Passport size picture.
6. Other relevant documents that might be required by the company itself.
List of things that are not covered under any Health insurance policy –:
1. Cosmetic surgery: 99% of medical insurance plans do not cover any kind of cosmetic surgery as it does not affect any person’s health. Cosmetic surgery includes things like – Botox, Liposuction, etc.
2. Pre-existing diseases: These are those diseases that are already there before buying a health insurance plan. Any complication that arises due to these pre-existing diseases like Blood pressure, or diabetes is not covered under your health insurance policy.
3. Pregnancy: Even pregnancy-related treatments or surgery are not covered under some of the Health Insurance plans.
4. Extra charges: These extra charges means any type of registration fee, service charge, or hospital fee are not included in any type of health insurance plan.
5. Supplements: Any kind of extra supplements which are taken additionally outside the medical condition or any medical treatments are not included in the health insurance policy.
6. Alternative Therapy Charges: Alternative therapy charges such as aromatherapy, massage, foot massage, and all charges of this alternative extra therapy are not included in a health insurance policy.
7. Drug-Related Issues: Health issues arising due to consumption of drugs, alcohol, smoking, and any harmful thing are not covered by health insurance policies.
8. Transmitted diseases: Transmitted diseases such as HIV, AIDS, and sexually transmitted diseases are not included in any health insurance policy.
An individual can now choose an ideal health insurance policy that is suited to meet all its medical requirements even at the time of emergency by keeping in mind all the above mention following points. As most individuals opt for such types of insurance plans which they have to renew periodically, one must know that selecting the right type of medical plan is crucial for themselves and their family members as well.