What Medical Insurance Policy in India Does not Cover

As you know the medical insurance policy is an agreement between an insurance company and you. The policy mentions all the medical benefits like tests, treatment services and drugs. The health insurance company in India agrees to cover the amount of certain advantages mentioned in your policy. These are normally known as covered services.

Your medical insurance policy also mentions the kind of service that will be covered by the respective insurance company. You need to pay for any uncovered medical services that you may receive.

There are some of the things that your doctor suggests will be covered in your plan, but not everything. Some of the test or treatment that is not covered, or the prescription mentioning the drug is not covered, your medical insurance company will not pay the bill for this. This is known as denying the claim. Although you can still take the recommended treatment, but its bill you will have to pay it on your own. Insurance company mentions all the tests, services and drugs they will cover and claim.

Some diseases like flu, cold, cough; malaria and viral fever etc. are also not covered by many medical insurance companies in India. As these problems are normally treated either at home or you just go to a physician. If viral fever reaches 104 degrees and the patient has to be admitted into the hospital and he stays there for long (more than 24 hours) then this will definitely be covered and the whole amount will be paid by the medical insurance company.

Moreover the medical insurance plan in India does not cover the insurance on property and life insurance. Medical policy just covers the amount listed in the handbook. It pays all your hospital bills if you have been there for more than 24 hours. Patients suffering from small problems are not provided with coverage policy.

But there are different plans and schemes offered by number of medical insurance companies which will help you to in paying of your hospital bills during your hard times. This is the benefit that medical insurance policy offers.