Pre-existing Diseases. The clauses under the inclusions/exclusions sections can significantly vary from one health policy insurance provider to another. “If you’re really stuck and need some coverage for a few months, this is an option,” says Lori-Ann Rickard, J.D., creator of MyHealthSpin.com, and a health care lawyer.But, Rickard points out, COBRA can be very expensive since you will be responsible … Therefore, the diseases that are covered under beneficial health insurance plans include the following. The following health care services are not covered under the NHIS: Rehabilitation other than physiotherapy. However, reconstructive surgery, such as is performed on burns patients, is covered. 1. 2. This feature is not common among commercial health insurance plans. To ensure uniformity, the Insurance Regulatory and Development Authority of India (IRDAI) has standardized exclusions in a health insurance policy. Z004 Kidney transplantation for end stage kidney disease, standard risk. Coverage For Pre-existing Diseases: A coverage for diseases that a beneficiary might already suffer from before registering under the scheme, is provided under this plan. However, a comparative study of the list of diseases between most reputed hospital cash insurance plans points to a comprehensive schedule of ailments. Critical illness covers list and define the CIs covered. Chronic diseases like Alzheimer's, Parkinson's, AIDs/HIV infection and Morbid obesity should be covered under medical cover if a person contracts such ailments after buying a health insurance policy, according to recommendations of a panel set up by Irdai. However, it is necessary to the insured to check the company’s policies to understand the type of procedures covered by a policy. Still, the list of diseases not covered under health insurance is the same with each insurer to ensure equal attention. Now this varies from one insurance provider to the other. COBRA coverage. Further, the policy would generally exclude certain diseases from the first year of coverage and also impose a waiting period. The working group has also suggested a list of 17 diseases, including chronic kidney disease, Hepatitis B, … A surgery of this kind is not life threatening or dangerous, thus Liposuction, Botox or surgeries of a similar kind are not covered under a health insurance policy. Further, the policies have an exhaustive list of exclusions that are not covered. Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies. Most of the health insurance policies have a waiting or cooling period clause for certain pre-existing diseases or maternity. Cosmetic surgeries and aesthetic treatment. Exceeding time limit for claim If you lose your job, you may be given the option under COBRA to continue your health coverage for up to 36 months. Here is the list of diseases covered under PhilHealth Z Benefits: Z001 Acute lymphocytic leukemia, standard risk (for children) Z002 Early breast cancer, stage 0 to IIIA. There is no disease list in mediclaim, only exclusion lists and first year exclusion lists. Z003 Prostate cancer, low to intermediate risk. Generally, pre-existing diseases (read the policy to understand what a pre-existing disease is defined as) are excluded under a Health Insurance policy. So, any claim made from the exclusion list will not be considered by the insurance companies. Appliances and prosthesis including optical aids, hearing aids, orthopaedic aids and dentures. Cosmetic Surgery. Coverage commencing after a waiting period – Most of the health insurance companies offer coverage for day care procedures.

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