Quick Answer: What is not covered in HDFC ERGO health insurance?

Which of the following is not covered under health insurance HDFC Ergo?

Medical insurance plans do not cover therapies like naturopathy, acupressure, magnetic therapy, and other such alternative treatments. Before investing in a policy, one has to also keep in mind its waiting period.

What is not covered in health insurance policy?

Also, dental surgery/ treatment ( unless requiring hospitalization), congenital external defects, convalescence, venereal disease, general debility, use of intoxicating drugs/alcohol, Self-inflicted injuries, AIDS, diagnosis expenses, infertility treatment, and Naturopathy treatment make a list of exclusions under …

What are common exclusions from health coverage?

Use of the hospital room phone or TV, extra pillows and sometimes even Band-Aids are commonly excluded from insurance coverage. Hospital fees can be high, so it’s important to be familiar with your plan’s exclusions. Home care and private nursing expenses are some of the most common excluded expenses.

Does HDFC Ergo cover pregnancy?

HDFC ERGO offers medical insurance with maternity benefits in two of its plans namely; Health Suraksha Gold & Medisure Classic. Both these plans offer ample of benefits along with maternity cover after a continuous renewal of 4 years.

IT IS INTERESTING:  How do life insurance companies make profit?

Is piles covered under HDFC ERGO health insurance?

Specific ailments: The expenses on the treatment of diseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal Disease, Fistula in anus, Piles, Sinusitis and related disorders, Gall Bladder Stone removal, Gout, Calculus diseases, Joint …

What types of insurance are not recommended?

5 Types of Insurance You Don’t Need

  • Mortgage Life Insurance. There are some insurance agents that will try to convince you that you need mortgage life insurance. …
  • Identity Theft Insurance. …
  • Cancer Insurance. …
  • Payment protection on your credit card. …
  • Collision coverage on older cars.

Is piles covered under insurance?

Yes, Piles treatment is covered under star health insurance. And also First Diagnosis of Cancer, brain Tumour, Cancer, or Chronic Kidney Disease, major organ transplant and many others covered under star health insurance.

Is D&C covered under insurance?

Mediclaim insurance covers expenses on hospitalisation for a minimum period of 24 hours. This time limit factor is not applicable in the case of treatments such as dialysis, chemotherapy, lithoripsy, radiotherapy, eye surgery, dental surgery, tonsillectomy, D&C taken in hospital/nursing homes.

What are the exclusions?

Definition: Exclusions are the cases for which the insurance company does not provide coverage. These are the conditions excluded from the insured event to avoid losses to the company. … Waiting period in which the insurance benefits do not apply is also a type of exclusion.

What is Cobra continuation coverage?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, …

IT IS INTERESTING:  Why do my insurance quotes keep changing?

What is Plan benefit exclusion?

A benefits payable exclusion is a clause in insurance policy contracts that removes the insurer’s responsibility for paying claims related to employee benefits.