Exclusions In A Health Insurance Reviews

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Health Insurance Reviews
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Exclusions In A Health Insurance Reviews What
does a health insurance reviews not cover i.e.
exclude? The moment of truth in an insurance
policy is at the time when a claim arises. One of
the most common reasons for a health insurance
claim not being paid by an insurance company is
when they say that the particular disease is not
covered by the policy and is exclusion".
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It leaves a bitter taste in the mouth of the
policyholder and can sometimes put the
policyholder in great financial difficulty. Thus,
it is very important to know in detail about the
exclusions in a health insurance reviews before
purchasing it. In our opinion, it is a far more
important variable than price. A policy might be
10 cheaper than a competitor's policy but might
have many more exclusion clauses-in such a case,
the policy with the lesser number of exclusion
clauses would be the better choice for the
policyholder.
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In this article, we deal with some of the common
exclusion clauses in a health insurance policy.
Of late, we are seeing some innovation in this
area with the new companies not excluding certain
ailments which had traditionally been within the
exclusions area
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Maternity In most cases, maternity and maternity
related expenses are not covered in an individual
or family floater health insurance policy.
Maternity is typically covered in a group policy.
In certain cases, we are seeing maternity being
covered after 5 years into the policy.
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Diseases or illness contracted within the first
30 days of the policy. The insurance company does
this to safeguard itself against customers buying
a policy immediately after a disease has been
detected Cataract, Prostrate, Hernia, Piles,
fistula, gout, rheumatism, kidney stones, tonsils
and sinus related disorders, congenital
disorders, drug addictions, non
allopathic/alternate treatments, self-inflicted
injuries, hysterectomy, fertility related
treatments, etc.
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are normally not covered under a health insurance
policy. Dental treatment and cosmetic surgery is
also typically excluded. Contact lenses cost is
also not covered. HIV/AIDS is excluded, which has
been a subject of great debate and criticism in
the last few weeks. Some insurance companies do
not cover treatment incurred outside the country,
so you should check once before buying the policy
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Preexisting diseases are not covered in a health
insurance policy. Preexisting means a disease
that you have had prior to joining a health
insurance policy. The policyholder may or may not
have been aware of the pre-existing disease.
Further complications which arise due to the
preexisting disease are also not covered. For
example, renal problems which arise due to a
person having diabetes at the start of the policy
would not be covered.
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This can sometimes lead to a lot of confusion and
heartburn. Someone gets admitted for a kidney
related treatment, and the insurance company
turns down the claim saying the kidney problem
has arisen because the patient had diabetes, and
rejects the claim. It can get a little grey here
as medical science cannot sometimes clearly
pinpoint the root cause of a particular disease
outbreak. In most cases, preexisting diseases are
covered after 3 or 4 consecutive policy years.
This is the single biggest reason why one should
buy health insurance reviews at a young age, and
continue with the same insurer.
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Because if you shift to a new insurer, you lose
your previous credit and a disease that was being
covered by the old insurer might be treated as a
pre-existing disease by the new insurer. We have
noticed that insurance companies start facing
more claims from the health insurance reviews
customers from their 4th or 5th policy year, as
preexisting begins to get covered and the
profitability of the portfolio goes down
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Most policies do not cover day care, but a few
like Max Bupa cover daycare, although the premium
is higher in this case War related health
insurance claims are mostly excluded from the
policy coverage Abortion related health expenses
are not covered in a health insurance reviews
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