Over the past few years, dermatological treatments have gained precedence in India. Most people visit a dermatologist at least once in their lifetime, while a few must go frequently. This raises the question of whether health insurance policies cover dermatological treatments.
Are you thinking about seeing a dermatologist to get help with a skin problem? Are you worried that your Health Insurance policy may not cover these expenses and that you may have to pay out of pocket?
It can be challenging to comprehend insurance coverage. Before making an appointment, review the information below to receive your required answers.
What is Dermatology?
Dermatology is the field of medicine that deals with diseases and conditions of the skin and hair. A dermatologist or dermatology specialist is responsible for diagnosing any skin or hair disorder or condition and recommending the appropriate course of action.
The scope of dermatology includes Cancer, ageing, and cosmetic conditions of the skin, hair, nails, fat, oral, and genital membranes.
Some of the most common dermatological issues in India:
- Acne
- Hair fall
- Athlete's foot and other fungus-related skin infections like ringworm
- Rash
- Hives
- Dermatitis
- Viral skin diseases, including measles, chickenpox, etc.
- Sunburn
- Autoimmune skin disorders
You can treat these skin conditions either medically or surgically. While some treatments may be reasonable, others can be expensive. Skin dermatology treatments can be costly and put a strain on your finances.
It makes sense to wonder if health insurance will cover dermatology treatments, given how pricey some of the necessary procedures are.
Does your Health Insurance plan cover dermatological expenses?
Ask yourself the question: Is the dermatological treatment cosmetically or medically necessary?
Cosmetic procedures are classified as exclusions. Thus, insurance companies will not pay for them. But if the dermatological treatments are considered as medical necessities, they are deemed essential medical treatment; the Insurance Company will pay for the procedures. For a visit to be deemed medically necessary, you must do it to assess, identify and treat a medical condition. If you do not receive treatment, it must impact your general health.
Dermatological treatments covered by Health Insurance policies
- Acne
- Psoriasis
- Eczema
- Shingles
- Warts
- Rashes
- Viral/bacterial/fungal skin infections
- Reconstructive surgery
- Keloid scars
Dermatological treatments not covered by Health Insurance policies
- Cosmetic surgeries
- Non- accidental plastic surgery
- Fillers
- Botox
- Tattoo removal
- Chemical peels
- Microdermabrasion
- Facials
Things to consider
When looking for health insurance coverage for dermatology, there are a few terms and conditions that you need to be aware of.
