{"id":5156,"date":"2020-01-17T08:00:18","date_gmt":"2020-01-17T00:00:18","guid":{"rendered":"https:\/\/www.infinitysolutions.com\/?p=5156"},"modified":"2020-01-14T15:53:06","modified_gmt":"2020-01-14T07:53:06","slug":"what-isnt-covered-by-your-health-insurance","status":"publish","type":"post","link":"https:\/\/www.infinitysolutions.com\/blog\/insurance\/what-isnt-covered-by-your-health-insurance\/","title":{"rendered":"What Isn\u2019t Covered By Your Health Insurance?"},"content":{"rendered":"<p style=\"text-align: left;\"><span data-contrast=\"none\">Health insurance<\/span><span data-contrast=\"none\">\u00a0in Asia<\/span><span data-contrast=\"none\">\u00a0is vital to protect you or your family against the risk of incurring medical expenses in the case of illness or injury. It\u2019s particularly important for expats living abroad as they\u00a0<\/span><span data-contrast=\"none\">rarely<\/span><span data-contrast=\"none\">\u00a0benefit from the same level of state healthcare\u00a0<\/span><span data-contrast=\"none\">as in their home country. While reading the small print is dull (and most people skip it altogether) it\u2019s\u00a0<\/span><span data-contrast=\"none\">really important<\/span><span data-contrast=\"none\">\u00a0to make sure that you know exactly what you are and aren\u2019t covered for to avoid any unpleasant surprises down the line.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">Here are\u00a0<\/span><span data-contrast=\"none\">some common exclusions which are found in<\/span><span data-contrast=\"none\">\u00a0the small print of\u00a0<\/span><span data-contrast=\"none\">medical insurance policies in Asia. Note that this is not a comprehensive list and may not apply in all cases which is precisely why reading the small print of your specific policy is essential<\/span><span data-contrast=\"none\">:<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><b><span data-contrast=\"none\">Pre-existing diseases<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">It is very common for\u00a0<\/span><span data-contrast=\"none\">pre-existing diseases\u00a0<\/span><span data-contrast=\"none\">such as<\/span><span data-contrast=\"none\">\u00a0asthma, heart conditions and diabetes<\/span><span data-contrast=\"none\">\u00a0to be excluded and<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">i<\/span><span data-contrast=\"none\">n many\u00a0<\/span><span data-contrast=\"none\">cases<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">this also extends to\u00a0<\/span><span data-contrast=\"none\">complications arising out o<\/span><span data-contrast=\"none\">f<\/span><span data-contrast=\"none\">\u00a0the\u00a0<\/span><span data-contrast=\"none\">pre-existing disease. Never be tempted to lie about\u00a0<\/span><span data-contrast=\"none\">your medical history<\/span><span data-contrast=\"none\">\u00a0when taking out a policy as this is one of the main reasons disputes occur between insurers and their customers when a claim is made. Sometimes a waiting period of\u00a0<\/span><span data-contrast=\"none\">a number of<\/span><span data-contrast=\"none\">\u00a0years will apply after which certain pre-existing conditi<\/span><span data-contrast=\"none\">ons may be covered and it\u2019s worth asking about moratorium options\u00a0<\/span><span data-contrast=\"none\">and<\/span><span data-contrast=\"none\">\u00a0Medical History Disregarded (MHD) policies<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">if you have a recent pre-existing condit<\/span><span data-contrast=\"none\">ion that is no longer an issue.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><b><span data-contrast=\"none\">Congenital disorders<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">Genetic and\u00a0<\/span><span data-contrast=\"none\">congenital\u00a0<\/span><span data-contrast=\"none\">disorders\u00a0<\/span><span data-contrast=\"none\">such as<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">Down\u2019s Syndrom<\/span><span data-contrast=\"none\">e<\/span><span data-contrast=\"none\">\u00a0and cystic fibrosis are generally excluded from health insurance\u00a0<\/span><span data-contrast=\"none\">polices<\/span><span data-contrast=\"none\">.\u00a0<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><b><span data-contrast=\"none\">Diag<\/span><\/b><b><span data-contrast=\"none\">n<\/span><\/b><b><span data-contrast=\"none\">ostic tests<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">Policies vary as to whether diagnostic tests are covered, even if\u00a0<\/span><span data-contrast=\"none\">these<\/span><span data-contrast=\"none\">\u00a0are carried out during\u00a0<\/span><span data-contrast=\"none\">hospitalisation<\/span><span data-contrast=\"none\">. Waiting periods may\u00a0<\/span><span data-contrast=\"none\">also\u00a0<\/span><span data-contrast=\"none\">apply.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><b><span data-contrast=\"none\">Maternity cover<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">Most policies apply a waiting period of 10-12 months to maternity cover which is why if you are planning a family at some time in the future you really need to take out insurance well in advance to benefit from maternity cover. The cost of maternity care can be extremely\u00a0<\/span><span data-contrast=\"none\">high<\/span><span data-contrast=\"none\">\u00a0and we would strongly advise against going through pregnancy and childbirth without it.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><b><span data-contrast=\"none\">Alternative and complementary medicines<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">Treatments of this nature including naturopathy, acupuncture and even physiotherapy and osteopathy may be excluded or limited.\u00a0<\/span><span data-contrast=\"none\">It could depend on whether the care in question is medically necessary or not. For example, going to an osteopath every week because it makes you feel better is not the same as receiving treatment after a back injury.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><b><span data-contrast=\"none\">Travel vaccines<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">As these are not considered\u00a0<\/span><span data-contrast=\"none\">medically necessary<\/span><span data-contrast=\"none\">, vaccines for typhoid, yellow fever\u00a0<\/span><span data-contrast=\"none\">etc<\/span><span data-contrast=\"none\">\u00a0may not be covered.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><b><span data-contrast=\"none\">Cosmetic surgery<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">An elective face lift or\u00a0<\/span><span data-contrast=\"none\">botox<\/span><span data-contrast=\"none\">\u00a0treatment to make you look better will obviously not be covered but constructive surgery following a mastectomy may be deemed medically necessary.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><b><span data-contrast=\"none\">Dental and eye care<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">Policies differ on the level of cover they provide for dental and eye treatment. If these are important to you then you need to compare policies and choose one which best suits your needs.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">You buy<a href=\"https:\/\/www.infinitysolutions.com\/blog\/which-insurance-for-my-family\/\"> an insurance policy<\/a> to help you and your family during tough times<\/span><span data-contrast=\"none\">\u00a0and protect your personal finances from unexpected costs which can quickly escalate into the thousands when illness or injury strikes<\/span><span data-contrast=\"none\">.\u00a0<\/span><span data-contrast=\"none\">It is vitally important to<\/span><span data-contrast=\"none\">\u00a0spend some time reading through the fine print of the policy, and clearly understand how it will benefit you.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:255}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">If\u00a0<\/span><span data-contrast=\"none\">the thought of ploughing through the<\/span><span data-contrast=\"none\">\u00a0small print is sending shivers down your spine, why not let us take the stress out of selecting an insurance policy to suit the needs\u00a0<\/span><span data-contrast=\"none\">of you and your family? We work with all the leading insurance providers in Asia and can find yo<\/span><span data-contrast=\"none\">u appropriate<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">health insurance\u00a0<\/span><span data-contrast=\"none\">cover at the most competitive price.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Health insurance\u00a0in Asia\u00a0is vital to protect you or your family against the risk of incurring medical expenses in the case of illness or injury. It\u2019s particularly important for expats living abroad as they\u00a0rarely\u00a0benefit from the same level of state healthcare\u00a0as in their home country. While reading the small print is dull (and most people skip&hellip;<\/p>\n","protected":false},"author":2,"featured_media":5157,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false},"categories":[3],"tags":[],"class_list":["post-5156","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-3","description-off"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Isn\u2019t Covered By Your Health Insurance? | Infinity Financial Solutions<\/title>\n<meta name=\"description\" content=\"Health insurance\u00a0in Asia\u00a0is to protect you or your family against the risk of medical expenses. 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