Written by: Ehsan Siddiqui
10 September 2025
Health insurance is a safety net to help us in our time of need, but like all nets, it has gaps, and there are some things that slip through the cracks. Here are 5 common treatments that health plans generally do not cover.
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Any illnesses that you had when you purchased a health plan are referred to as pre-existing diseases. Most health insurance policies only reimburse such expenses after the waiting period.
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Cosmetic procedures such as Botox are used to enhance one's appearance and are not deemed necessary for overall health. Hence, they are typically not covered by health insurance policies.
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Health insurance policies do not cover injuries caused by self-inflicted harm or suicide attempts because they are the result of a person's voluntary actions.
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Sexually transmitted illnesses (STDs) like gonorrhea, HIV, and other diseases are usually not covered by health insurance plans in India.
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Generally, alternative treatments such as acupuncture, homeopathy, naturopathy, Ayurveda, and novel or experimental procedures are not covered by standard health insurance.
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