Health insurance policies are incredibly useful and can make expensive medical procedures affordable for many. However, it is important to note that these health insurance policies do not provide encompassing coverage to all procedures. Here are some popular medical procedures that are almost never covered by health insurance:
1. Dental Care
Taking care of your teeth is vitally important for good health. When cavity strikes root canals or extractions can be an urgent procedure to undertake. A wisdom tooth as well often becomes problematic and requires removal. These procedures are also fast becoming very expensive. Still, vital dental procedures at the moment stand outside the purview of health insurance policies.
2. Weight Loss Program
Overweight is a very common and dangerous condition. It leads to many other major diseases like diabetes and heart problems. Sometimes the overweight is due to underlying hormonal conditions and requires medical procedures such as liposuction to cause any major changes. Despite the growing number of overweight citizens in India that need urgent attention, any medical procedure or surgery for weight loss is not covered under most health insurance policies in India.
3. Infertility Treatment
Infertility is a condition in which many people seek medical help in hope to cure. There are several different types of treatment options possible depending on the cause of infertility. These include in-vitro fertilisation, artificial insemination, controlled ovarian hyperstimulation, etc. However, despite the medical advances being made in curing infertility, procedures regarding them still do not receive coverage in mediclaim policies.
Acupuncture is a type of alternative medical practice that involves thin needles to be inserted into the body at specific positions and patterns. It is a form of Chinese traditional medicine and widely popular in China. However, this is often considered as pseudo-science as many of its theories are not in sync with modern scientific understanding and methodology. For this reason, despite claims of it helping a lot of patients, acupuncture is not covered by medical health insurance schemes.
5. Eye Glasses
Eyeglasses are a necessity for patients with eye problems. Often these patients see very little without the help of glasses. At times, a disruptive eye power can also cause severe migraines for patients without eye glasses. Procurement of eye glasses is not covered by most health insurances. However, these days’ eye glasses are becoming increasingly cheaper and easier to afford.
6. Cosmetic Surgery
Cosmetic surgery has a bad reputation in general audiences. However, most people forget that sometimes cosmetic surgery is important for patients like in case of acid attack victims, accident victims or severe burn patients. Basically, whenever there may be a significant injury to the skin and/or muscles due to whatever reason, cosmetic surgery is often the only way that allows the patient to lead a normal life. However, despite the need and incredibly high costs of cosmetic surgery, it remains outside the purview of health insurance schemes.
7. Lasik Surgery
Lasik surgery is more commonly known as Laser Eye Surgery. It helps patients with myopia, hyperopia or astigmatism to correct their eye disorder. This refractive surgery is often very expensive and incredibly helpful, but remains not included in health insurance coverage.