Taking health insurance is very important in today’s time. The biggest advantage of this will be that in case of emergency, proper medical facility will be available and for this you will not have to pay the hefty hospital bill.
Therefore, experts in the insurance sector definitely advise all people to buy medical insurance, so that it can come in handy in your troubles. It is often seen that in case of a sudden illness, people have to think from where to get money for the cost of treatment. In this, even the life-long deposits of the people get exhausted. But if you have taken health insurance then you will not have to think at all. However, many times it happens that when the insurance claim is made, the policyholder does not get 100% claim. Now what is the reason for this, let’s know about it…
Actually, when you buy health insurance, you are given complete information about the expenses for different needs, which has to be read carefully. If an expense is included in your medical bill, which is not mentioned in the policy document, then in such a situation, insurance companies refuse to claim that expense.
Health insurance does not cover non-medical expenses such as hospital registration charges, administrative charges, bills for food consumed by attendants other than the patient, etc. You have to bear such expenses yourself.
Many times it happens that the patient gets the examination related to the disease for which the hospitalization is done, as well as some non-essential tests, which are not related to that disease. In such a situation, the policyholder is not able to get an insurance claim on non-essential tests. If you do unnecessary tests, you will have to bear the cost out of your own pocket.
