Pre-existing diseases

If a person suffers from an illness before purchasing insurance. it is not covered on the first day of insurance

The conditions of childbirth are not included.  Some companies offer coverage for childbirth  waiting period 2-4 year

Cosmetic Surgery

Plastic surgery is personal choice. It's not required. All types of cosmetic procedures not covered .

Dental Coverage

Dental Coverage

Dental conditions generally do not require hospitalization and are not covered by health insurance

Hearing & Vision

Hearing & Vision

you need to check on the coverage available for essential treatments & look additional coverage

Misc. Cost

Registration fees, entrance fees and service costs are not charged by the health insurance.

Dietary Supplement

Dietary Supplement

Health tonics and protein shake that are not consumed by a person to fight disease

New medical devices

New medical devices are often covered only when evidence of years of cost and benefit is available

Alternative Treatment

Expenses incurred for alternative treatments such as  acupressure, naturopathy, massage are not covered.

Some specific diseases are usually not included sinusitis,  hemorrhoids, anal fistula and aged related diseases

Weight  control management surgery is not covered unless requested by your doctor.

Adventurous Activity

adventurous activities such as rafting, mountaineering, scuba diving and horse racing

Tilted Brush Stroke

The cost of meeting a doctor and performing procedures in the outpatient / OPD category

Outpatient Exps

Tilted Brush Stroke