Diseases which are not covered under your Health Insurance

Health insurance

Health Insurance is slowly reaching to people with lots of companies are now focusing on it. There are many health insurance policies which are now available in market. But there are still some diseases and conditions which are not covered under any Health insurance policy. Some diseases are excluded from the policy and do not provide any cover a buyer must ask for exclusion before finally signing the proposal form. Some diseases which are commonly excluded from Health insurance are:

HIV/AIDS: Caused by the HIV virus that is communicable through blood transfusion, infected syringes or contact with body fluids of the infected person, no concrete medicine has been discovered to completely cure a person. Though insurers say that it is not fatal if discovered in the initial stages, these individuals are considered high-risk and are not offered insurance for life or health
Infertility: Not able to conceive a child among women is an area which is not covered by insurance. This involves several rounds of treatment for investigating the causes and also involves manual injections and in-vitro fertilization (IVF); procedures which are considered risky to be covered by insurance. Though these treatments are costly, they are not covered.

Genetic disorders: Medical conditions related to genetic issues are excluded from health insurance since they are considered as high-risk pre-existing medical conditions. These may include some forms of anaemia, thalassemia and Down’s Syndrome among others.

Tobacco use and related complications: While each individual is asked to disclose their tobacco usage to determine their insurance premium, those addicted to tobacco and having signs of associated ailments like throat cancer are not covered. Even if somebody fails to disclose their tobacco usage and later claims for a related ailment, their claim is rejected.

Advanced stages of cancer: While cancer policies are available in the market and are available for people to purchase to act as a buffer if they contract cancer in the future. But those who already have cancer or are in the advanced stages of cancer are not offered health insurance policies, since there is an imminent risk of high claims and threat of anti-selection. Anti-selection occurs when an individual aware of their ailments take a medical policy and takes it on favourable terms than what would have been offered if they had disclosed their conditions.