While looking for a health insurance policy, it is very important to understand that the majority of them come with their own sets of terms and conditions. It is very hard to find the inclusions and exclusions related to the health insurance policy. The idea behind this article is to make you aware of some of the most common health issues that are covered by the majority of health insurance plans.
Seven inclusions in health insurance plans
If you are looking forward to getting your health insurance done, here is a list of some of the most common health issues that can be covered by the majority of the health insurance policies:
A cataract is the eye condition where the lens gets too much clouded, leading to a deterioration in eye vision. A cataract is something that happens gradually over time, which is why you can always get coverage for the same. Some of the common symptoms include fading color, blurry vision, and having troubles with bright light.
2) Non-infective arthritis
Non-infective arthritis is something that gradually happens over time, which actually leads to getting coverage at the time of claim. Some of the examples of non-infective arthritis include osteoarthritis, crystal deposition disease, psoriatic arthritis, and adult still’s a disease.
3) Kidney/Gall bladder stone/ Lithotripsy
You shall be pleased to know that lithotripsy can be done out of your health insurance claim. It is the process of breaking up stones in your kidney or gall bladder using shock waves. Once the entire process is done, the tiny pieces of stone get out of the body through the excretory system.
4) Osteoporosis and osteoarthritis
Remember this, anything related to the density of the bone is worth raising a claim for. That being said, osteoporosis the condition in which there is a severe loss within the bone mass, creating a risk of fracture in the bones. On the other hand, osteoarthritis is simply the degeneration of the joints.
5) Joint replacement surgery
Joint replacement surgery is the procedure in which the parts of a damaged or arthritic joint is extracted and then replaced with prostheses such as plastic, metal or any other ceramic devices. The idea behind the surgery is the provide the normal and healthy joint to replicate the initial movements.
6) Vertebrate disorders
Vertebrate disorders are something that is worth raising the claim for. Some of the most common vertebrate disorders include complications arising within the vertebra and posture-related diseases.
A hernia can be defined as an abnormal exit of an organ or tissue. One such example of such is the bowel, which normally resides in the cavity passes through the wall. There is a variety of hernia, with the most common being groin, which is caused in the abdomen.
Common exclusions in health insurance plans
To help you get a clear idea of some of the most common diseases that are covered by the insurance policy, here is a list of some of the common exclusions that are worth considering too.
1) Pre-existing medical condition
Now, if you have been suffering from a pre-existing medical condition prior to getting the insurance policy done, it is always advised to declare them while filling out the form. It is only under a specified lock-in period that you can get you can get the coverage from the same. Typically, the time period ranges from 2-4 years. Beyond that, you won’t be getting any coverage.
2) Lifestyle-related complications
There is no arguing to the fact that you won’t be getting any coverage for the diseases that have caused due to your reckless lifestyle. Lung diseases caused due to smoking and cirrhosis caused by over-consumption of alcohol are some of the examples of such. Unless you are paying a hefty amount for the premium, you are going to get a hard time raising the claim.
3) Cosmetic surgeries
In today’s post-modern world, everyone is looking forward to changing their appearances with the help of cosmetic treatments. Such expenditures are never covered by health insurance companies. Only medically recommended procedures such as plastic surgery due to an accident can be considered among an inclusion.
For the majority of the Health Insurance Companies, you won’t be getting coverage for the expenditures that arise during pregnancy and childbirth. Similarly, treatments for abortion and infertility won’t be reimbursed in the same way.
All the above mentioned seven health issues are among some of the most common diseases that are covered or not covered by the health insurance policies. But, it is always advised to go through the terms and conditions of your health insurance policy to get a better idea of the same. Chances are, some of them could vary to a certain extent.