Pay attention to these things carefully in your insurance policy.
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Before signing an insurance policy, customers will usually be informed that there are some exceptions. Exceptions are things that are not covered in the insurance policy. In other words, you can not make a claim for insurance that falls under the exception. That is why many people feel disadvantaged by insurance, even though what they experience is included in the things that are exceptions. In order to not fail to claim the health insurance benefits that you have, pay attention to the following points that are exceptions to health insurance.
1. Pre-Existing Condition
Pre-existing conditions are diseases that existed before you opened a health insurance policy. It also includes treatment and/or treatment related to pre-existing diseases including their complications. If you have had a previous illness, it is essential to declare to the insurance company your medical history. That way, you can find out from the insurance company of your choice, which ones are covered and which ones are not covered by insurance so that you understand the contents of your policy correctly. But if you are in good health and have a healthy medical record, you don't need to worry about exceptions.
Pre-existing conditions are diseases that existed before you opened a health insurance policy. It also includes treatment and/or treatment related to pre-existing diseases including their complications. If you have had a previous illness, it is essential to declare to the insurance company your medical history. That way, you can find out from the insurance company of your choice, which ones are covered and which ones are not covered by insurance so that you understand the contents of your policy correctly. But if you are in good health and have a healthy medical record, you don't need to worry about exceptions.
2. Treatment Before Policy Effective Date
Generally, all insurance companies have a waiting period. The waiting period is the time you must pass before you can submit an insurance claim. Policyholders cannot submit claims while they are still in the waiting period. So, if you are sick and are still in the waiting period, then you cannot file a claim against the insurance policy that you have. For certain types of critical illness, the waiting period can be up to 1 year from the active policy period. Make sure to go back to the insurance of your choice for the waiting period, because every insurance company has a different policy.
Generally, all insurance companies have a waiting period. The waiting period is the time you must pass before you can submit an insurance claim. Policyholders cannot submit claims while they are still in the waiting period. So, if you are sick and are still in the waiting period, then you cannot file a claim against the insurance policy that you have. For certain types of critical illness, the waiting period can be up to 1 year from the active policy period. Make sure to go back to the insurance of your choice for the waiting period, because every insurance company has a different policy.
3. Mental Disorders
Mental, behavioral, psychiatric, psychological, or nervous disorders are included in the exceptions group. In addition, complications due to drug addiction are also included in the exclusion group. Therefore, before opening and signing a health insurance policy, make sure you have a good mental and physical health history.
Mental, behavioral, psychiatric, psychological, or nervous disorders are included in the exceptions group. In addition, complications due to drug addiction are also included in the exclusion group. Therefore, before opening and signing a health insurance policy, make sure you have a good mental and physical health history.
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4. Pregnancy
Pregnancy is also one of the exceptions in health insurance. The exceptions include conditions before, during, and after pregnancy, including all complications. For more details regarding the exceptions for pregnancy conditions, you can ask clearly your insurance agent or insurance company of choice.
Pregnancy is also one of the exceptions in health insurance. The exceptions include conditions before, during, and after pregnancy, including all complications. For more details regarding the exceptions for pregnancy conditions, you can ask clearly your insurance agent or insurance company of choice.
5. Cosmetic Surgery
In this case, the insurance company will not cover the cosmetic surgery, because cosmetic surgery is an action that is done intentionally. If there is a cosmetic surgery failure, the insurance will not pay your claim. Unless for reconstructive plastic surgery due to an accident, the insurance will pay your claims because this cosmetic procedure is done unintentionally. It happens by accident. Before you buy an insurance policy, make sure you understand your insurance policy, especially these exceptions. It prevents you from miss-understood the policy that you have and not failing to claim.
In this case, the insurance company will not cover the cosmetic surgery, because cosmetic surgery is an action that is done intentionally. If there is a cosmetic surgery failure, the insurance will not pay your claim. Unless for reconstructive plastic surgery due to an accident, the insurance will pay your claims because this cosmetic procedure is done unintentionally. It happens by accident. Before you buy an insurance policy, make sure you understand your insurance policy, especially these exceptions. It prevents you from miss-understood the policy that you have and not failing to claim.