When you take out health insurance, what you want is for it to have as many coverages as possible. The ideal would be, in this regard, to have medical insurance without exclusions, that is, a policy that covers any type of illness or disease, as well as all the treatments and tests that may be necessary at any given time.
However, most health insurance has exclusions. Exclusions are, in this sense, those pathologies, treatments, or diagnostic tests that would not be covered by insurance. Such exclusions must come, in any case, specifically outlined in the general conditions of the policy. In such cases, the affected person would be the one who would have to assume the expenses derived from them since these would not be covered by the medical insurance.
What is medical insurance without exclusions?
Medical insurance without exclusions would be one that guarantees coverage for all the illnesses, injuries, and ailments that you may suffer, whatever their nature and when they occur. Likewise, this type of policy would cover any type of treatment, service, or diagnostic test that you must undergo.
Needless to say, it is the complete form of health insurance that you can contract since in it, you would not assume any type of medical or health expense as an insured.
What are the most common exclusions of health insurance?
Each insurance company can establish its own list of exclusions. However, among the most common would be the following:
- Illnesses and injuries are a direct consequence of the practice of risky sports.
- Injuries or pathologies are derived from accidents suffered due to the insured’s own negligence.
- Surgical, therapeutic, or diagnostic procedures whose efficacy is not duly accredited in normal medical practice, that is, all those that do not really guarantee the cure or effective treatment of the disease.
- Aesthetic interventions.
- Treatments related to so-called alternative medicines, such as those based on acupuncture, homeopathy, hydrotherapy, mesotherapy, and other techniques of this type.
- Surgery to correct vision problems such as nearsightedness, farsightedness, or astigmatism.
- The pharmacological products that the insured must take, except those that are administered during hospitalization periods.
Does insurance cover pre-existing conditions?
Pre-existing illnesses are all those pathologies or injuries that the insured suffers prior to the formalization of the medical policy. These diseases must be reported to your company so that it can assess the risk involved in its coverage. Failure to do so could bring you serious consequences, to the point that the company could cancel the policy for willful concealment of information. As a general rule, health insurance does not cover pre-existing illnesses, except in specific cases.
Therefore, in practice, it is difficult, although not impossible, to take out medical insurance without pre-existing conditions since the insurance company assumes a high risk with this type of policy. It is easier to take out insurance that covers certain pre-existing illnesses, provided that these have been duly declared in the medical questionnaire and that their treatment does not entail an expense that exceeds the parameters that each insurer sets in this regard. Another option that some insurance companies consent to is contracting insurance for pre-existing illnesses that had not been diagnosed prior to signing the policy.
Take out medical insurance.
Although we have already seen the difficulty of contracting medical insurance without exclusions and without pre-existing conditions, the formalization of a health policy is always highly recommended. Among other advantages, hiring health insurance will avoid long waiting lists for public health and will provide you with fast and quality medical-health care. Private medical assistance also puts at your disposal an extensive list of renowned doctors and hospital centers that will guarantee your peace of mind and that of your loved ones in terms of health.
In any case, when hiring your health insurance, we recommend that you previously carry out an exhaustive comparison of the available policies. This will allow you to choose the option that best suits your needs, expectations, and budget. To make this comparison, we advise you to use the effective insurance comparator on doctori.com. Doctor i’s comparator is very fast, effective, and easy to use. In just a few minutes, you will have a complete list of the private health insurance market by the main insurance companies, so you can opt for the policy that best suits your interests.
