Six things not covered by medical insurance

Health cover is an essential insurance expense if you want to have the peace of mind of being covered for critical illness, surgery, or other medical emergencies. Taking out comprehensive insurance cover will provide you with a certain level of reassurance, but you must understand there are things for which you won’t be covered.

Therefore, this article aims to inform you of six things that may not be included in your medical insurance. You might be surprised at the randomness of number 5!

There is an incredible range of medical insurance products available from various insurance providers. Price may be one of the deciding factors in choosing over. Still, it should not be the only one.

Knowing what is excluded from your medical insurance will enable you to get suitable insurance for your situation. Therefore, don’t merely select a policy based on the Price.

Consider the exclusions in your policy, as these are the things that can end up costing you dearly. To help you decide, here are six of the most common exclusions from medical insurance.


Cosmetic Surgery

You might feel that cosmetic surgery is essential, and in certain circumstances, it may be. However, many medical insurance providers consider procedures such as Botox, liposuction, facelifts, and so on to be non-essential.

Therefore, if you intend to undergo such procedures, you should check your existing medical cover to understand what is covered. Perhaps, you may need to alter your policy or take out specialist cover.

Pre-Existing Conditions

You should check your insurance policy carefully for what pre-existing conditions, if any, it covers. That’s because this area is one in which various insurance providers differ.

For instance, high blood pressure is a pre-existing condition that some insurance companies cover, but others exclude. Similarly, some insurers will cover pre-existing conditions if you maintain the policy for a specific period.

In most cases, getting insurance cover for pre-existing conditions will involve paying additional premiums.


The costs of going through pregnancy or having an abortion are not covered under medical insurance. Even if you have to undergo an emergency Caesarean section, you cannot recover the costs from your insurer. That is because insurance providers do not consider pregnancy as a medical condition.


Costs of Diagnostics

If you have to go through procedures or testing to identify a condition or disease, your insurance policy will not cover the costs. Such diagnostics could include blood tests or CT scans, which can be incredibly costly.

Before you undergo potentially expensive diagnostics, check what tests and procedures are covered. Even if these tests are conducted in a hospital, they still may not be covered under your insurance policy.

Miscellaneous Charges

When it comes to medical treatments, there are many miscellaneous charges that you might not consider. For instance, hospital admission fees, registration charges, and so on.

These miscellaneous charges are not covered under your medical insurance plan. Therefore, carefully research what these costs might be, and budget for them accordingly.


Health Supplements

You may think that taking supplements is good for your health and well-being. Generally, their costs are not included in your medical insurance.

However, you may have been recommended specific supplements by a doctor or medical practitioner as part of your post-treatment recovery plan. In this case, you can recoup the costs from your medical insurance provider.


Medical insurance is a necessary expense. It provides you with the peace of mind of being covered in the event of illness.

However, your insurance policy will not cover you for everything. Hopefully, this article will have informed you of what expenses are excluded from your insurance policy.

Written by Michael K.

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