“Know What It Covers and What It Does Not”
It’s quite obvious to have health insurance cover, rather an apt one. Just because you know little about the doctrine, it doesn’t mean you should buy what your insurance agent or company wants you to buy. What is right for you is absolutely yours depiction. No doubt, you should hunt for the assistance to understand the jargons, but in any case the responsibility to face the outcomes is yours.
So it’s better to know what is being covered and what is not, rather crying over spilled milk. Or else you may dumbfound later with hefty medical bills of healing diseases that your policy doesn’t cover. And who knows such out of the blue medical costs may cause you another ill hounding you to get more appropriate cover.
The policy document or insurance certificate does contain the list of the extent it offers protection. What insurance carriers generally cover and not cover is mentioned beneath -
Things Health Insurance Covers -
1. Visits to and prescription of drugs by physicians.
2. Emergency room visits and stays at hospitals.
3. Ambulance Services including Air Ambulance in emergencies.
4. Diagnostic Tests like X-ray, blood test, sugar check, eyes check up, urine tests, ECG, EKG.
5. Necessary immunizations.
Things Health Insurance Doesn’t Cover -
1. Health insurance generally doesn’t cover pre-existing conditions.
2. Impairment or annoyance to family caused by suicide committed by insured.
3. Injuries intentionally caused by policyholder himself or by someone else on his will.
4. Sexually transmitted diseases.
5. Treatments (avoidable) intended to enhance cosmetic like plastic surgery.
These are very common grounds denoting what your health insurance may cover and may not cover. What's more you wish to be there in coverage, depends on carrier you select. For instance, some companies may not offer maternity benefits, but few carriers may dwell on your need and offer you the required coverage conditionally, or say with additional deductibles or premium.