Is Dermatology Covered by Health Insurance Plans?

The prevalence of dermatology has risen significantly in India over the last few years. Most people visit a dermatologist at least once in their lives and a few others need to pay a regular visit. This makes a lot of people wonder if the costs of dermatology treatments are covered under a health insurance plan. Let’s find an answer to this question in this article.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “CONTINUE”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      What is Dermatology?

      Dermatology refers to the medical branch that deals with skin problems and diseases. It is the job of a dermatologist or dermatology specialist to diagnose any disorder or disease of the skin and accordingly, suggest the treatment. Cancer, ageing and cosmetic condition of the skin, hair, nails, fat, oral and genital membranes fall into the ambit of dermatology.

      Some of the most common dermatology or skin problems in India are:

      • Acne
      • Fungal skin infections, such as athlete’s foot, ringworm, etc.
      • Rash
      • Scabies
      • Dermatitis
      • Viral skin diseases, such as chickenpox, measles, etc.
      • Sunburn
      • Auto-immune skin diseases

      Dermatology treatments can be medical or surgical. But no matter the type of treatment, dermatology problems can be expensive to afford. For instance, chemotherapy for skin cancer or surgery to treat a skin disorder can dig a hole in your pockets. Cosmetic or plastic surgeries are also costly procedures. Besides, most dermatology treatments go on for a long period of time, which can deplete your savings gradually.

      This brings us back to the question of whether dermatology treatments are covered under health insurance plans in India. Let’s find out.

      Does Health Insurance Cover Dermatology?

      Yes. Health insurance plans in India cover most dermatology or skin problems. If you own a health insurance policy, you can raise a claim to cover your treatment costs for dermatology problems. Skin cancer treatment can be covered under a critical illness insurance policy as well as under a cancer insurance policy.

      However, the scope of coverage can vary from one insurance company to another. For instance, most health insurance plans only cover hospitalization expenses arising out of a dermatology treatment or surgery. They may exclude day care procedures and OPD consultation costs. On the other hand, some health insurance companies may provide coverage for hospitalization costs, OPD consultations as well as day care procedures.

      Therefore, you must read the terms and conditions of a health insurance policy carefully before buying it to know which type of dermatology treatments are covered.

      Types of Dermatology Treatment Covered by Health Insurance

      Take a look at the various dermatology treatment covered under most health insurance plans:

      • Skin Cancer Treatment
      • Acne
      • Skin Cancer Removal
      • Skin Viral Diseases
      • Rashes
      • Skin Fungal Infections
      • Reconstructive Surgery
      • Psoriasis
      • Skin Allergies
      • Poison Ivy Rash
      • Port Wine Stains
      • Keloid Scars

      Types of Dermatology Treatment Not Covered by Health Insurance

      The following dermatology treatments are not covered by health insurance plans in India:

      • Cosmetic surgery
      • Non-accidental Plastic surgery
      • Botox
      • Tattoo Removal
      • Fillers
      • Chemical Peels
      • Microdermabrasion
      • Facials

      Terms and Conditions Related to Health Insurance Coverage for Dermatology

      There are certain terms and conditions that you must keep in mind if you seek health insurance coverage for dermatology. To begin with, coverage for skin cancer will be available after the waiting period is over.  The waiting period for skin cancer under a regular health insurance policy is mostly 1 year or 2 years. On the other hand, skin cancer under a critical illness insurance policy can be covered after a waiting period of 90 days with a survival period of 30 days.

      In case you have been suffering from skin cancer or skin disorder before buying the health insurance policy, it will be considered as a pre-existing disease. As a result, you will have to wait out a fixed time period before raising a claim for the dermatology problem under your health insurance policy. Generally, the waiting period for pre-existing diseases is somewhere between 1 year to 4 years.

      In a Nutshell

      Dermatology problems may be on the rise due to pollution, poor lifestyle, ultraviolet rays, global warming, etc. It is essential to take every possible precaution to prevent the occurrence of various skin problems. But on the safer side, you must buy a health insurance policy as they cover medical dermatology. But if you expect to get coverage for cosmetic or aesthetic dermatology, your insurance companies will not help you at all.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does Health Insurance Premium Change on Renewal?

      06 Dec 2022

      After the pandemic, the demand for good health plans has
      Read more
      Sum Insured in Health Insurance: Meaning & Importance

      11 Nov 2022

      People who are new to the world of insurance may not understand
      Read more
      How to File a Reimbursement Claim Under Health Insurance?

      03 Nov 2022

      The biggest reason for buying health insurance is to get financial
      Read more
      Monkeypox: Dos and Don’ts of the Disease That You Should Know

      15 Sep 2022

      Monkeypox has slowly and steadily spread to more than 85 countries
      Read more
      Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

      06 Sep 2022

      As we grow old, the chances of developing a disease or a medical
      Read more
      PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
      Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence
      Read more
      Best Maternity Insurance Plans
      Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens in 2022
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL