Five Points to Keep in Mind Before Getting Health Insurance

by Bikram Paul A Professional Blogger

With the escalating costs of high-quality medical care in India, it's become vital to get a health insurance policy to cover medical bills. Hospitalization and other medical bills can wreak havoc on your finances and burn a hole in your wallet. It becomes even more difficult when a family's single earner is ill or when unexpected medical issues hit, such as COVID-19. All of this, however, may be prevented by purchasing the appropriate health insurance coverage, which will cover the costs of medical testing, hospitalization, and even online doctor appointment consultation fees.

Let's take a look at some of the most typical health insurance policy exclusions.

 

1. Pre-existing conditions

When you obtain a health insurance policy, whatever conditions you have, such as kidney stones, cataracts, arthritis, and so on, are regarded as pre-existing disorders. This means that your healthcare policy will not cover certain pre-existing health conditions for a specific amount of time, known as the waiting period. Depending on the insurer and the type of condition, there is normally a two- to four-year waiting time.

2. The standard waiting time

There is a general waiting time during which specific coverage is unavailable, with the exception of accidents and pre-existing illnesses. For example, after purchasing a policy, there will be a 1-2 month waiting time before you may file a claim against it. A cooling-off phase is another term for an initial waiting period. Treatment for illnesses or disorders that arise within this time period is not covered. Medical care required in the event of an accident, on the other hand, is covered without conditions during this time.

3. Maternity leave and related costs

Unless specifically stated, expenses connected to pregnancy, childbirth, child vaccines, and other associated conditions are often not covered under a health insurance policy. Furthermore, even if your preferred health plan covers maternity care, there may be a waiting time ranging from 9 to 48 months. You can get an online doctor appointment  to have a better idea of what kind of facilities should be covered in the policy.

4. Exclusions that are specific

Unless otherwise stated, certain hospital expenditures such as room rent, ambulance fees, and doctor fees may be excluded from your healthcare policy. Consumables such as cotton, bandages, syringes, face masks, PPE kits, and other similar items are normally not covered. Some insurance don't have room rent caps, and some even cover ambulance costs. At the same time, depending on your policy, it's likely that some of these costs will be partially paid by the insurance provider.

5. Sufferers of self-harm

Health insurance coverage do not cover injuries or diseases caused by self-harm or attempted suicide. Injuries resulting from dangerous activities, adventure sports, illegal crimes, or injuries sustained as a result of alcohol or drug addiction are also not covered.

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Created on Sep 21st 2021 06:25. Viewed 177 times.

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