They are:- #1: Cosmetic Surgeries Various treatments enhance people’s exterior beauty, like botox, plastic surgeries, and other cosmetic surgeries. Along with this, the dermatological procedures are also not included in health insurance policies. Also read: How are Health insurance premiums calculated? The whole insurance policy concept is to support emergencies on which humans do not have any control. It is the choice of humans to get cosmetic surgeries done and are not a necessity. Thus, in such cases, the insurance companies deny coverage, and the people have to bear the expenses all by themselves.
#2: Fertility Treatments Although the clauses related to this treatment differ from state to state and company to company, the general procedure is that the health insurance does not cover fertility treatments. But, the companies have to provide support during the diagnosis of infertility, making it a case-to-case basis. There is no particular precedent for such treatments.
#3: Pre-Existing Diseases Again a clause that differs from company to company is the coverage for pre-existing. Many insurance providers do not include high blood pressure, or diabetes or hereditary conditions. There are high chances of policyholder suffering from pre-existing diseases. In such cases, the premiums are very high, only if the company provides coverage in these medical emergencies.
#4: Pregnancy and Abortion The medical expenses for pregnancy and abortions are not covered in health insurance policies. Even in the case of a cesarean or a complication during the pregnancy, there is no coverage. The insurance companies do not consider pregnancy to be a situation in which one requires financial support. Also, during the abortion, the companies do not provide the claims. But in a case where it is necessary to abort the child due to medical complications, the policy decision maker evaluates the situation to derive to a result. Also read: Difference Between Critical Illness Insurance and Health Insurance But voluntary abortion is not a part of the medical coverage.
#5: Diagnostic Expenses The expenses incurred during the diagnosis of a disease are not a part of the coverage. The blood tests or the identification of a virus in a pathological lab are not a part of the coverage of health insurance. No matter if a hospital or a nursing home go through with these tests, they are not a part of the coverage of health insurance, and the patients cannot claim the money based on these.
#6: Miscellaneous charges The health insurance companies provide coverage to the diseases only. The miscellaneous charges like the registrations, admission fee, service charges are also not a part of the coverage of health insurance.
#7: Health Supplements The insurance company provider does not cover the expenses incurred during the consumption of health supplements. Health tonics and protein shakes are not a necessity for the body and are not an illness. Thus, the expenses related to these medical supplements are not a part of the coverage of health insurance. But if the same is advised by the doctor during the treatment of a particular ailment, while the patient is hospitalized, then these health supplements are a part of health insurance. #8: Self-Inflicted Injuries The expenses incurred if the patients have self-inflicted injuries, then it is not covered by health insurance. The concept of health insurance is all about providing financial support to people in case of unforeseen injuries and ailments. Self-inflicting injuries are not a sudden injury. Hence, they are not a part of health insurance coverage.
#9: Congenital Diseases Many people are born with some defects in their bodies. Health insurance does not cover and provides support in such cases. People born with these cases have to support themselves, as the insurance companies do not take up the responsibility in such cases.