In another article, we already tell you what diseases are often excluded from Sure. Health. However, in addition to diseases as such, there are also other exclusions in health insurance that we believe you should know. Keep reading and we'll tell you all.
Other exclusions in health insurance
In addition to pre-existing and other specific diseases, most of the health insurance have other exclusions you must know. This does not mean that none Policy There are some very specific policies of some specific companies that can cover them, but in general they are exclusions in health insurance for most of the policies.
1. Vaccines in immunotherapy treatments
Those popularly known as allergy vaccines (or medical jargon extracts) that are being administered in small doses increasingly and after regular periods for the allergic person to develop tolerance to the allergic, are often not included in most health policies. These are the usual treatments for those who experience a strong pollen allergy, for example. Private health insurance usually covers the allergologist's consultations but not the cost of vaccines or extracts.
2. The prostheses
They are often another of the most common health insurance exclusions. Some health insurance policies exclude all types of prostheses; others include internal (e.g. pacemaker or breast prosthesis in reconstruction processes) but not external prostheses to replace members, orthesis (external support devices) or orthoprosthesis (combining external prostheses and orthesis).
3. Genetic studies and therapies
Genetic studies and genetic therapies are another of the most widespread exclusions in health insurance, although more and more health companies offer them at franchised prices in the insuranceBut they're not usually covered. These types of studies include the Thrombophilia Study, the Genetic Cardiopathy Test, and the Genetic Profile of Celiaquia, among others.
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4. Medical causes arising from the insured's negligence
If you suffer from food poisoning, the insurance company covers you because you didn't want to poison yourself. However, if you suffer from ethyl alcohol poisoning or if you take drugs and then need medical assistance, the insurer understands that it has been a case of your negligence and can exclude it from the coverage on the condition of your policy.
5. Complications after aesthetic surgery
Plastic surgery as such is usually another of the exclusions in health insurance, except for restorative aesthetic surgery. You'll have to take a good look at the condition of your policy. However, what is always excluded is the medical care you may need for complications following the interventions of aesthetic surgery.
It is important that you know all the conditions and exclusions of your policy so that you can choose the one that best suits your real needs and those of your family.
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