Common Exclusions In Health Insurance For Senior Citizens Policies: What You Need To Know

 

Health insurance policies for senior citizens are designed to provide coverage for medical expenses incurred by elderly individuals. While these policies offer comprehensive coverage, there are certain exclusions that policyholders should be aware of. In this article, you can explore the common exclusions in health insurance for senior citizens policies and provide an overview of the benefits of Manipal Cigna Health Insurance.

Common Exclusions in Health Insurance for Senior Citizens Policies

• Pre-existing conditions: Most health insurance for senior citizens have a waiting period of 2-4 years for pre-existing conditions. This means that any medical expenses incurred due to a pre-existing condition during the waiting period will not be covered by the policy.
• Alternative treatments: Health insurance policies for senior citizens usually do not cover alternative treatments such as Ayurveda, Homeopathy, or Unani.
• Cosmetic surgery: Cosmetic surgery procedures, such as liposuction, breast augmentation, and rhinoplasty, are usually not cover under health insurance policies for senior citizens.
• Non-medical expenses: Health insurance policies for senior citizens do not cover non-medical expenses such as travel expenses, accommodation expenses, or loss of income.
• Dental and vision care: Most health insurance policies for senior citizens do not cover dental and vision care expenses, unless they are related to an illness or injury.
• Maternity and childbirth: Health insurance policies for senior citizens do not cover maternity and childbirth expenses.
• Sexually transmitted diseases: Health insurance policies for senior citizens usually do not cover medical expenses related to sexually transmitted diseases.
• Injuries from dangerous activities: Health insurance policies for senior citizens do not cover medical expenses incurred due to injuries from dangerous activities such as bungee jumping, skydiving, or mountain climbing.

Benefits of Manipal Cigna Health Insurance

Manipal Cigna Health Insurance offers a range of health insurance policies for senior citizens. Some of the key benefits of Manipal Cigna Health Insurance include:

• Comprehensive coverage: Manipal Cigna Health Insurance offers comprehensive coverage for medical expenses incurred by senior citizens, including hospitalisation, daycare procedures, pre- and post-hospitalisation expenses, and more.
• Cashless hospitalisation: Manipal Cigna Health Insurance offers cashless hospitalisation, which means that policyholders can receive treatment at any network hospital without having to pay any cash upfront.
• No sub-limits: Manipal Cigna Health Insurance policies do not have any sub-limits on room rent, doctor fees, or other medical expenses, ensuring that policyholders receive comprehensive coverage.
• Lifetime renewability: Manipal Cigna Health Insurance policies are renewable for life, which means that policyholders can continue to receive coverage even after they turn 80 years old.
• Tax benefits: Manipal Cigna Health Insurance policies are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Understanding the Common Exclusions in Health Insurance for Senior Citizens Policies

When selecting a health insurance policy for a senior citizen, it is important to review the list of exclusions and understand what is covered and what is not covered under the policy. Here are some key factors to consider:

• Waiting period: Health insurance policies for senior citizens usually have a waiting period for pre-existing conditions. It is important to review the waiting period and ensure that it is acceptable.
• Network hospitals: Most health insurance policies for senior citizens have a network of hospitals that are covered under the policy. It is important to check the list of network hospitals and ensure that there are hospitals near your location.
• Sum insured: The sum insured is the maximum amount that the insurance company will pay out for medical expenses incurred by the policyholder. It is important to select a sum insured that is sufficient to cover the expected medical expenses.
• Premium amount: The premium amount is the amount that the policyholder will have to pay for the insurance policy. It is important to compare different policies and select one that offers comprehensive coverage at an affordable premium.
• Exclusions: It is important to carefully review the list of exclusions in the policy and understand what is not covered under the policy. This will help policyholders make informed decisions and avoid surprises at the time of making a claim.

In conclusion, health insurance policies for senior citizens offer comprehensive coverage for medical expenses incurred by elderly individuals. However, there are certain exclusions that policyholders should be aware of, including pre-existing conditions, alternative treatments, cosmetic surgery, non-medical expenses, dental and vision care, maternity and childbirth, sexually transmitted diseases, and injuries from dangerous activities. When selecting a health insurance policy for a senior citizen, it is important to review the list of exclusions, understand what is cover and what is not cover under the policy, and select a policy that offers comprehensive coverage at an affordable premium.