आपकी Health Insurance policy में कवर नहीं होने वाली चौकाने वाली बीमारियां detailed review

आपकी Health Insurance policy में कवर नहीं होने वाली चौकाने वाली बीमारियां
Creating a KZbin video on the topic of "Permanent Exclusions in Health Insurance Policies" can provide valuable information to viewers looking to understand the intricacies of their health insurance coverage. Here's a structured outline for the video:
6.4. Investigation & Evaluation (Code-Excl04)
a. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.
b. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
6.5. Rest Cure, rehabilitation and respite care (Code-Excl05)
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
a. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving
around either by skilled nurses or assistant or non-skilled persons.
b. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.
6.6. Obesity/ Weight Control (Code-Excl06)
Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:
a. Surgery to be conducted is upon the advice of the Doctor.
b. The surgery/Procedure conducted should be supported by clinical protocols.
c. The member has to be 18 years of age or older and;
d. Body Mass Index (BMI);
i. greater than or equal to 40 or
ii. greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight
loss:
1. Obesity-related cardiomyopathy
2. Coronary heart disease
3. Severe Sleep Apnea
4. Uncontrolled Type2 Diabetes
6.7. Change-of-Gender treatments (Code-Excl07)
Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.
6.8. Cosmetic or plastic Surgery (Code-Excl08)
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as
part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must
be certified by the attending Medical Practitioner.
6.9. Hazardous or Adventure sports (Code-Excl09)
Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, parajumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
6.10. Breach of law (Code-Excl10)
Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal
intent.
6.11. Excluded Providers (Code-Excl11)
Expenses incurred towards treatment in any Hospital or by any Medical Practitioner or any other provider specifically excluded by Us and disclosed in Our
website / notified to the Policyholders are not admissible. However, in case of life threatening situations or following an Accident, expenses up to the stage
of stabilization are payable but not the complete claim.
6.12. Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code-Excl12)
6.13. Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such
establishments or where admission is arranged wholly or partly for domestic reasons. (Code-Excl13)
6.14. Dietary supplements and substances that can be purchased without prescription, including but not limited to vitamins, minerals and organic substances
unless prescribed by a Medical Practitioner as part of Hospitalization claim or Day Care procedure (Code-Excl14)
6.15. Refractive Error (Code-Excl15)
Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.
6.16. Unproven Treatments (Code-Excl16)
Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments,
procedures or supplies that lack significant medical documentation to support their effectiveness.
6.17. Sterility and Infertility (Code-Excl17)
Expenses related to sterility and infertility. This includes:
a. Any type of contraception, sterilization
b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
c. Gestational Surrogacy
d. Reversal of sterilization
6.18. Maternity Expenses (Code-Excl18)
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Toll free no- 18008900455

[@AnilPrajapati-fz5ti]

Which policy to have for adventure sports

[@insuranceseva]

Dear Viewer, Adventures sports activities are permanently excluded in all health insurance policies. For more information about this kindly call us 18008900455

[@AnilPrajapati-fz5ti]

I understood however i usually I do trekking once a month so there is no option to secure the same?

[@Dr.badansinghshakya]

Superb

[@insuranceseva]

@@Dr.badansinghshakya Thank you so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need furthThankser information, feel free to ask Our toll free no 18008900455

[@rajendra3561]

Very important and informative information for every one insured person with your very crystal clear Explanation... 👌👌👌👍👍❤❤❤🙏🙏🙏

[@insuranceseva]

Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

[@debashispradhan1474]

Thank you very much sir for such information

[@insuranceseva]

@@debashispradhan1474 Thank you so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need furthThankser information, feel free to ask Our toll free no 18008900455

[@amitmannu5867]

Thnqqq for very useful information..❤

[@insuranceseva]

Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

[@sherujain2325]

Helpful Explanation 👍

[@insuranceseva]

Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

[@VijayKumar-wi7qc]

fine explanation sir

[@insuranceseva]

Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

[@VijayKumar-wi7qc]

thank you sir

[@insuranceseva]

Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

[@lawrencedalmeida8722]

Good explanation

[@insuranceseva]

Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

[@davinderkumar1984]

Thanks sir 🙏

[@insuranceseva]

Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

[@chandansharma409]

Nice 👍👍👍

[@insuranceseva]

Thanks so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need further information, feel free to ask Our toll free no 18008900455

[@sukhpalsingh1306]

Sir agar koi sadi me kisi program me laki drink kre to kya policy me koi fark pdega?

[@insuranceseva]

Dear Viewer, Any diseases or accidents due to the influence of alcohol will be permanently excluded in all health insurance policies. For more information about this kindly call us 18008900455.

[@naveenramachandra1091]

Sir i met with an road accident 1 yr back and i had hip fracture and undergone surgery but now i have infection and AVESCULAR NECROSIS IN 1st or 2nd stage will any insurance company cover in future i may have undergo 2 surgery for cure 9f infection and total hip replacement will this be covered

[@insuranceseva]

Dear Viewer Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim. 18008900455

[@mohindersinghsaini]

I along with my wife purchased Nova Bupa health insurance policy Reassurance during the year 2021. Thereafter, We made timely payment of annual premium for the years 2021, 2022 and 2023. Now our policy is due for renewal. Now, insurance company is asking for Rs. 75,000/- as annual premium with an increase of 25 per cent whereas we made annual premium for 2021 Rs. 50,000/-, 2022 Rs. 55,000/- and 2023 Rs. 60,000/-. This time health insurance company is asking exaggerated charges, which is not justified.

[@insuranceseva]

Dear Viewer Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim. 18008900455

[@subrataadhikary810]

Brother I want to take new Health insurance policy family floater where my 7 yrs old elder son diagonsed with ADHD/ASD I believe it always exlusion in any healthcare policies except that other covered diseases will be taken care by the policy right ? Please response my commend

[@AnilPrajapati-fz5ti]

I don't think it's an exclusion you can have a policy for your son as well

[@AnilPrajapati-fz5ti]

You have to serve the waiting period for the same after that it will be covered

[@insuranceseva]

Dear Viewer Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim. 18008900455

[@sugatamukherjee4000]

Can I change agent in my broker in policy without portability

[@insuranceseva]

Agent change process is available in all insurance companies but every insurance company has different processes and guidelines. For more information about this kindly call us 18008900455

[@lifeguru111]

Sir , psychology treatment is also excluded permanently or not ??

[@insuranceseva]

Dear Viewer, Treatments related to Anxiety and Depression are permanently excluded in all health insurance policies. For more information about this kindly call us 18008900455

[@madhusudanbhardwaj7340]

epilepsy is also excluded ?

[@insuranceseva]

Dear Viewer Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim. 18008900455

[@aakash19ind]

Aditya Birla health insurance Activ one plan is best

[@insuranceseva]

Dear Viewer Contact Insurance Seva for the right coverage, meticulously selected after comparing options from all major insurers. Plus, our dedicated claim team is here to assist you whenever you need to file a claim. 18008900455

[@vishnudevm6421]

Superb

[@insuranceseva]

Thank you so much for your positive comment! It's great to hear that you found the video helpful. If you have any questions about health insurance policies or need furthThankser information, feel free to ask Our toll free no 18008900455