The following is a list of diseases that are commonly not covered in health insurance policies:
• Congenital diseases:
Congenital diseases refer to medical conditions that exist from birth or are present at birth. Several insurance providers do not cover congenital diseases under their health insurance policies.
• Sexually transmitted diseases:
Sexually transmitted diseases like HIV and AIDS are not covered under health insurance policies. These diseases require specialised treatment and care, which are not covered under most health insurance policies.
• Mental and behavioural disorders:
Mental and behavioural disorders like depression, anxiety, and bipolar disorder are not covered under health insurance policies.
• Age-related illnesses and disabilities:
Several health insurance policies do not cover age-related illnesses and disabilities like dementia, Alzheimer's, and Parkinson's disease.
• Infertility treatments:
Infertility treatments like in-vitro fertilisation (IVF) are not covered under most health insurance policies due to their high costs.
• Cosmetic surgeries:
Cosmetic surgeries like face lifts, tummy tucks, and other non-medical procedures are not covered under health insurance policies.
• Non-allopathic treatments:
Non-allopathic treatments like Ayurveda, Homeopathy, and Naturopathy are commonly not covered under health insurance policies.
• Alternative therapies:
Alternative therapies like acupuncture, acupressure, and chiropractic treatments are not covered under most health insurance policies.
• Dental treatment:
Several health insurance policies do not cover dental treatments like teeth whitening, braces, and root canals.
• Obesity treatments:
Obesity treatments like liposuction and bariatric surgery are not covered under most health insurance policies.
• Pre-existing conditions:
Most health insurance policies have a waiting period for pre-existing conditions. These are illnesses or health issues that the policyholder had before purchasing the insurance. During the waiting period, any claims related to pre-existing conditions may not be covered.
• Self-inflicted injuries:
Injuries resulting from intentional self-harm or substance abuse are usually excluded from health insurance coverage. This exclusion is in place to discourage risky behaviour and protect the financial stability of the insurance system.
Understanding the list of diseases not covered under health insurance is crucial for policyholders to make informed decisions about their coverage. While health insurance provides invaluable financial protection, it is essential to be aware of the exclusions, waiting periods, and specific conditions that may not be covered.
Policyholders should thoroughly review their policy documents, ask questions, and seek clarification from their insurance providers to ensure a comprehensive understanding of their coverage. Additionally, exploring supplementary insurance options for excluded conditions, such as dental or vision insurance, can help individuals tailor their coverage to meet their unique healthcare needs.
