back arrow Back

What is not covered by health insurance in India?

reply Share
24 Sep, 2021 by  Riya Thapa

I want to know what is covered and not covered by health insurance policy in India.

like like
0
Health Insurance

3 Answer

Post
24 Sep, 2021

Hi Riya,

Hope you are doing well! I would like you to go through our Health Insurance page in detail. Our content will answer most of the questions you would have around health Insurance.

Hope you'll like it! Let us know if you have any follow-up questions post-reading.

Thanks!

like like
0
icon-comment 1 Comments
icon-reply Reply
25 Sep, 2021
Riya Thapa
like like
0
icon-reply Reply
24 Sep, 2021
Kaushik Amrit Raj

Hi Riya,


In India we have almost 34 Non-life insurance companies providing health insurance and every companies has it's own terms & conditions.


I would suggest you to write down things which you want in your policy to be included and see which companies are providing after shortlisting 2-3 companies based on various parameters and service.


Then you can choose which one you want and what you want in your health insurance.


Hope it helps !!


Regards,

Kaushik

like like
0
icon-comment 0 Comments
icon-reply Reply
25 Sep, 2021

Hi Riya,


There are different covers and add-ons that the policyholder can add to their health insurance. But here's a list of things that are not generally covered by the health insurance policies in India.


Cosmetic surgery: Since the aim of health insurance is to cover health injuries or fatalities, cosmetic surgeries do not fall in that category.


Treatments solely for diagnostic evaluation: The cost for pathological tests like sugar, USG, ECG, etc., are covered in the plan, if it is part of your treatment. However admission purely for diagnostic reasons with no required line of treatment is not covered.


Health Supplements: As important as it is to your daily meal plan, health supplements and protein shakes do not look much like a health emergency and therefore aren’t a part of the health insurance.

 

Extra Charges incl. non consumables: Your health bill will include service charges, etc., which will be excluded from the insurance. Sometimes, consumables may not be covered. However these are covered in certain plans, for example plans at VITAL covers all such expenses.


At Vital, we wanted to keep our insurance simple and with as less limits as possible. While we cannot help the standard exclusions because those are regulations from the IRDAI, we have not sub limits or co pays, no limits on ICU charges and cover all non-consumables too.

like like
0
icon-comment 1 Comments
icon-reply Reply
25 Sep, 2021
Riya Thapa
like like
0
icon-reply Reply
Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2021 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to info@beshak.org now 🙂