What Exactly Does Health Insurance Cover?
Health insurance or popularly known as private medical insurance covers any conditions which are short term and can be cured, even injuries which don’t last too long and are acute condition types would be covered. But when talking of such insurance policies, there are certain treatments and illnesses which are not covered under the scheme and we will tell you about them, so please read on and be well informed for the same.
Health insurance happily takes care if you have the following;
1. Short term treatment, or what is known as acute conditions
2. Tests for in patient care
3. Surgeries
4. Accommodation costs at reputed hospitals
5. Time costs for theatre usage
6. Nursing costs
7. Tests and diagnoses
8. Consultations with the medical head etc
Some policies also allow for testing with regard to out patient care, coverage while you travel overseas and cash paid treatments for those who use the government services as an in patient attendee.
Before you sign up for the health insurance policy, make sure you read all the terms and conditions. This would help you understand what coverage you can avail of and what you cannot. Some medical conditions, which you may have wouldn’t be covered under the policy you have taken, because it could be a long term illness or treatment which the company wouldn’t be able to manage and you would be asked to pay for.
Medical treatment and costs incurred by the company for your health through the health insurance policy would be ten times more and thus, the policy wouldn’t give you coverage for the same, so check with your insurance provider on any pre existing ailments and diseases or treatments you undergo, for it may NOT be covered.
What health insurance in wouldn’t cover are
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