For Quick Alerts
ALLOW NOTIFICATIONS  
For Daily Alerts

What are the things that a health insurance may not cover?

|
 What are the things that a health insurance may not cover?
It's not as if anything and everything is covered under your health insurance policy. One must peruse through the policy in detail and not just skim through the same to understand what is covered and what is not.
 

For example, certain pre-existing diseases are not covered. Certain problems like hernia are not covered in the initial two years and there could be a waiting period for various other diseases, which you need to read the insurance policy carefully.

The Insurance Regulatory Development Authority's Consumer Education Website says, "There would also be certain standard exclusions such as cost of spectacles, contact lenses and hearing aids not being covered, dental treatment/surgery ( unless requiring hospitalization) not being covered, convalescence, general debility, congenital external defects, venereal disease, intentional self-injury, use of intoxicating drugs/alcohol, AIDS, expenses for diagnosis, x-ray or laboratory tests not consistent with the disease requiring hospitalization, treatment relating to pregnancy or child birth including cesarean section, Naturopathy treatment."

It's also important to remember that there would be a waiting period of 30 days from the policy inception date, after which you can claim your health expenses or cashless facility at hospitals.

GoodReturns.in

Story first published: Monday, November 4, 2013, 9:22 [IST]
Company Search
Get Instant News Updates
Enable
x
Notification Settings X
Time Settings
Done
Clear Notification X
Do you want to clear all the notifications from your inbox?
Settings X
We use cookies to ensure that we give you the best experience on our website. This includes cookies from third party social media websites and ad networks. Such third party cookies may track your use on Goodreturns sites for better rendering. Our partners use cookies to ensure we show you advertising that is relevant to you. If you continue without changing your settings, we'll assume that you are happy to receive all cookies on Goodreturns website. However, you can change your cookie settings at any time. Learn more