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It is very important to ensure that you know all the expenses that are covered under your health insurance before you buy a plan. Many health insurance companies do not cover certain charges. On the other hand, there are some things which are not covered by health insurance but you can actually get coverage for them. Let us learn about such covers here.
Among the various charges that are not covered by health insurance policy include the costs of diagnostic tests, cosmetic surgery, alternative therapies, infertility complications etc. which we will learn about in this blog.
However, there are some exclusions that an insured can add as riders to their health plan to avail their benefits. Let’s discuss some such coverage that you can buy as an add-on rider by paying an extra amount.
One such charge is that of diagnostic tests that almost every person has to undergo while visiting a doctor and seeking medical help. This is because every time you visit physicians for any particular medical condition, they prescribe different diagnostic tests before finally confirming your ailment. Being too expensive, people like to have coverage for such tests so that they can undergo these tests without making a hole in their pocket.
Diagnostic tests can be any tests that the doctor prescribes to verify or to rule out any disease or health condition of a patient. These can be invasive or non-invasive and the charges for such tests vary depending on the kind, process and the advanced technology used to get such tests done.
The charges of these tests are quite expensive and might be difficult for people to afford on a frequent basis. Moreover, since most of the times when we visit a doctor, we are advised to get a few such tests to confirm the condition of our health. So, affording such tests every time becomes difficult financially.
There are many insurance companies offering coverage for many diagnostic tests. Some of them are blood tests, X-rays, MRIs etc. However, these tests are compensated only if the insured person availing of these expenses is admitted to the hospital for 24 hours and above.
Further, there are certain ways in which you can avail benefits of diagnostic costs coverage without getting hospitalized as discussed below:
Further to the above, there are many health plans that allow preventative health check-ups for free at the time of policy renewal. Some of the tests that are covered under such preventive check-ups are namely, lipid profile, pap smear, pelvic exam, cancer screenings, heart disease screening, and dental check-up etc.
Now let us discuss some of the common exclusions in health insurance policies:
If overconsumption of alcoholic substances is the cause of your disease, it might not be covered by your insurer.
Costs that you may incur on alternative therapies such as acupressure, naturopathy, reflexology, etc. are also not covered under your health insurance coverage.
Also Read: Are Diagnostic Charges Covered by Health Insurance Policy
To Conclude
So, as discussed above there are certain charges that are not covered under health insurance. Further, there are certain expenses that can be availed by buying additional coverage. Also, it entirely depends on the insurer and the insurance policy as to what all coverage they allow or not. So, it is important to compare, read and understand your policy details well before buying your health plan so that you can get better coverage and protection under your health plan.
Also Read: Does Your Health Insurance Policy Remain Valid If You Move Abroad | Do Health Insurance Policies Cover Depression?
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PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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