Take note! These 5 diseases are rarely covered by health insurance

Health insurance is important to ensure your health from the possibility of getting sick in the future. Especially if someday you are sick, you don't need to worry about the medical costs because everything will be paid by insurance. Even so, not all diseases are covered by insurance, you know! There are several diseases that are rarely covered by health insurance. Whether it's private insurance or BPJS Health. What are they?

List of diseases that are rarely covered by health insurance

1. HIV / AIDS

There is no cure for HIV / AIDS. So, HIV / AIDS treatment is carried out only to reduce the severity of the symptoms of the disease.

Some health insurance companies still consider HIV / AIDS as a disease due to the negligence of the sufferer. Most cases of this disease do arise due to the use of drug needles or from sexual intercourse without a condom. Two things are true may be done at the will of the sufferer himself. On this basis, not all health insurers are willing to cover the cost of HIV / AIDS treatment.

However, it should be understood that not all cases of HIV / AIDS are caused by self-made negligence. So before making up your mind to make insurance, look carefully and carefully about the terms and conditions of the policy whether certain diseases can be covered. If the explanation is not clearly stated, ask your insurance agent for more details.

If you have made an agreement with health insurance that covers HIV / AIDS, you usually cannot immediately take advantage of this insurance claim. You usually have to wait a predetermined time limit before you can claim the service.

2. Critical illness (serious illness)

When you, a family member, or someone closest to you has a chronic disease, such as stroke, cancer, or kidney failure, you want to get the best treatment.

However, rarely does insurance cover patients who are in critical condition. This is because critical illness usually requires a long time palliative care at a costly amount.

Insurance companies that are willing to cover fatal diseases generally provide special products to claim medical expenses. This special product is called critical illness insurance. Ask your health insurance company about this critical illness coverage.

3. Disease due to plague or disaster

Cholera, polio and Ebola often appear as epidemics that affect certain areas.

This disease usually spreads very quickly and is widespread. This means that the number of sufferers can continue to increase rapidly. For this reason, diseases caused by plague are included in the list of diseases that are rarely covered by health insurance.

4. Caesarean section

For mothers-to-be who are about to give birth, try reading your insurance agreement again before estimating the total costs that will be incurred later. The reason is, not all health insurance covers the cost of giving birth. Especially if the decision of your caesarean section is only on personal preference, not for emergency medical reasons.

Compared to cesarean section, health insurance is more willing to cover the cost of normal delivery.

5. Congenital disease

Not all types of health insurance are willing to cover the costs of patients who have congenital diseases, congenital disabilities, or hereditary diseases. Examples of congenital diseases are asthma, hernias from birth, mental illness, and so on.

The JKN-KIS (National Health Insurance-Indonesian Health Card) program from BPJS Kesehatan is a government health insurance that covers congenital diseases. There are also several private insurers that are willing to cover congenital diseases.

However, the cost of treating congenital diseases is usually not paid right away. Some new health insurance will pay for it after two years you become an insurance participant. This provision returns again depending on your agreement with the health insurance when registering first.