Treatments Not Covered in Insurance

Use Health EMI Network Card for Treatments not covered in Insurance?

Split medical bills into easy-to-pay No Cost EMIs. Get your Bajaj Finserv Health EMI Network Card today!

10 Jan 2022
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With the recent global health crisis that has affected everyone, the pandemic has exhibited the requirement for urgent health care. Even before the pandemic, health care has always been a necessity, and you have to plan for emergencies whether you have any conditions related to your health currently or not. Urgent needs pop up, and you may be healthy yourself, but a family member’s health problems might need to be addressed.

With healthcare costs steeply rising nowadays, there is this additional burden of meeting hospital, diagnostic and pharmacy bills. This is where any EMI health card can come to your rescue, as you don’t need more things to worry about in the event of a medical emergency. The Bajaj Finserv Digital Health EMI Network Card can be a useful digital instrument to fund medical expenses, in addition to your health insurance, and you should be aware of its features and benefits.

Why You Need a Digital Health EMI Network Card?

Everyone knows that a health insurance plan is a must-have in these times. To handle surging costs of health or any other sudden healthcare needs, you have to have funds instantly available. Most insurance plans cover a gamut of health conditions but fail to cover particular lifestyle ailments and wellness treatments. Since lifestyle diseases like diabetes are on the rise, you need coverage for these costs too.

Moreover, traditional health insurance does not cover health care such as dental treatment and cosmetology. A health card available on Finserv MARKETS will help you take care of such emergencies.

Features and Benefits

Although insurance covers the costs related to health care that is within the purview of your specific plan, the Bajaj Finserv Digital Health EMI Network Card gives you an easy EMI payment option to address conditions that are not part of conventional insurance plans. Here are its main features and benefits:

  • Totally Digital - This payment tool is completely digital and hence, secure to use.

  • Partners - You can use this digital instrument at more than 5,500 health care partners across 1,000 cities all over India.

  • Range of Treatment - A key feature, translating into a distinguishing benefit of this card, is that it can be used for over 800 treatments, including regular surgeries, hair transplantation, cosmetic surgery and wellness therapies.

  • No Cost EMIs- You can pay for your health expenses in No Cost EMIs, and be free from worry as you don’t have to pay any cash upfront. Your hospital, diagnostics and pharmacy bills get split, so you pay for these in minimal staggered sums over flexible tenures. This brings you convenience and affordability.

Treatments Excluded from Health Insurance

When you get your Bajaj Finserv Digital Health EMI Card, you will also know about the several partner healthcare facilities from the Bajaj Finserv Network hospital list. Nonetheless, here is more on treatments that are not covered by conventional health insurance, and this should tell you why you must avail a Bajaj Finserv Digital Health EMI Network Card, can can apply for the same if you are an existing customer of Bajaj Finserv EMI Network card

  1. Pre-existing Health Conditions - These are health conditions that you may already have at the time of purchasing insurance. Such health conditions include cancer, diabetes, epilepsy, acne, obesity, and some psychological problems such as anxiety and depression.

  2. Other Disease Treatments - Treatments for a number of health-related issues are also excluded from insurance plans. These include the following:

Cosmetic treatment, such as beauty enhancements and dental cosmetology as well as dental treatment, is not included in insurance plans. These are elective treatment procedures and hence, don’t fall under ‘health’ as defined by insurance companies, although some dental treatment is curative in nature.

  1. Pregnancy and any treatment to do with pregnancy is not covered by regular insurance. This constitutes delivery, C-sections and post-natal care.

  2. Normal insurance does not cover diagnostics unless a regular procedure accompanies it. For instance, if you have an x-ray to determine a condition that appears to be of no consequence later, you cannot get coverage through insurance.

Medical Solutions

The Bajaj Finserv Digital health EMI Card is an easy remedy for any potential medical finance-related woes that might arise in the future. You can use it to pay for any medical expense from initial diagnostics to rehabilitation therapies without dishing out a bulk of funds from your savings. It can be a versatile supplement to your regular health insurance policy, and you can use this digital tool at any superior healthcare facility on the Bajaj Finserv Network hospital list, like Ruby Hall Clinics, Apollo Hospitals, Manipal Hospitals, Dr Batra’s Clinics, etc. Get this digital tool by following an easy online application process today!