{"id":87,"date":"2017-05-29T07:34:36","date_gmt":"2017-05-29T07:34:36","guid":{"rendered":"https:\/\/www.pacificprime.co.th\/blog\/?p=87"},"modified":"2018-02-08T15:13:24","modified_gmt":"2018-02-08T08:13:24","slug":"top-6-health-insurance-exclusions","status":"publish","type":"post","link":"https:\/\/www.pacificprime.co.th\/blog\/top-6-health-insurance-exclusions\/","title":{"rendered":"Top 6 health insurance exclusions to watch out for"},"content":{"rendered":"<p>Before securing a health insurance plan, there will be a number of things you will need to look out for to determine whether it\u2019s the best fitting plan for your needs; chief among them being the policy exclusions. For those of you who don\u2019t know what it means, a health insurance exclusion refers to anything that your plan won\u2019t cover. If you\u2019re unsure about what exclusions you\u2019ll need to look out for, read on to learn about the top six most common health insurance exclusions.<\/p>\n<h2>Natural disasters, extreme sports, etc.<\/h2>\n<p>Virtually every health insurance plan in Thailand will have a number of specific scenarios or events listed under its policy exclusions. Commonly excluded scenarios include:<\/p>\n<ul>\n<li>Injuries or illness sustained as a direct result of a natural disaster (e.g. floods, tsunami, earthquake, etc.)<\/li>\n<li>Injuries or illness caused by participation in illegal activities (e.g. drug misuse)<\/li>\n<li>Injuries sustained from participating in extreme sports &#8211; some plans exclude this completely, while plans that do cover extreme sports often exclude injuries sustained from more dangerous forms of extreme sport (e.g. skydiving and off-piste skiing)<\/li>\n<li>Self-inflicted injuries\/ hazardous activities<\/li>\n<li>Treatment arising from war or terrorist acts<\/li>\n<\/ul>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=family\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-413\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2024\/07\/SEO-Banner-General.webp\" alt=\"Family insurance banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2>Dental and optical services<\/h2>\n<p>General health insurance plans typically exclude cover for dental and optical services. That said, more comprehensive plans do offer the option of including dental and optical cover as an add-on benefit.<\/p>\n<p>Please note that often times these add-on benefits will impose a waiting period. This means that you\u2019ll need to wait a certain period of time from the inception of your dental and\/or optical plan before you\u2019ll be eligible for reimbursement pertaining to these particular add-on benefits.<\/p>\n<h2>Maternity care<\/h2>\n<p>Costs related to maternity treatment are in most cases listed as an exclusion in general health insurance plans. However, like dental and optical insurance, maternity insurance is also available as an add-on benefit. Again, this will be subject to a waiting period. As maternity insurance waiting periods last at least 10 to 12 months, and sometimes even as long as two years, it is therefore essential to take out the maternity benefit well ahead of conception.<\/p>\n<p>With maternity insurance in place, you\u2019ll be able to offset the <a href=\"https:\/\/www.pacificprime.co.th\/blog\/2017\/05\/15\/maternity-insurance-thailand\/\" target=\"_blank\" rel=\"noopener noreferrer\">extensive costs associated with private maternity care<\/a> (e.g. prenatal ultrasound, tests, delivery).<\/p>\n<h2>Fertility treatment<\/h2>\n<p>Fertility treatment such as In Vitro Fertilization (IVF; a process that involves fertilizing an egg outside of the body) can be very expensive. As such, most plans exclude IVF and other assisted reproductive technology (ART) treatments due to its high cost. That being said, select plans do cover fertility treatment, although often times a number of caveats will apply. For example, the insurer may impose a long waiting period of 18 months or more before you\u2019re covered for that benefit. Some insurers may also require both partners to obtain the plan before the mother can receive coverage for IVF and other ART procedures.<\/p>\n<h2>Cosmetic surgery<\/h2>\n<p>This is quite an obvious exclusion, as virtually all health insurance plans will only cover medically necessary care. As such, elective surgeries aimed at improving one\u2019s aesthetic appearance (e.g. rhinoplasty, facelift, tummy tuck) likely won\u2019t be covered by your health insurance.<\/p>\n<p>On the other hand, if the surgery is cosmetic in nature but is deemed medically necessary (e.g. breast reconstruction surgery after a mastectomy), then it will usually be covered.<\/p>\n<h2>Health insurance coverage outside of Thailand<\/h2>\n<p>If you have a local Thailand health insurance plan, then you\u2019ll only have healthcare coverage in the country and likely won\u2019t have any coverage benefits outside of Thailand. If you would like to have international health coverage, you may want to think about securing an international health insurance plan instead. Designed specifically to meet the needs of expats and frequent travellers, with an international medical insurance plan you will get to enjoy healthcare coverage in virtually any hospital, anywhere in the world.<\/p>\n<p>If international health insurance is not the right option for you, travel insurance may also be a good alternative if you would like to protect yourself from travel-related mishaps and medical emergencies when going overseas for a short period of time.<\/p>\n<p>Please note here that travel insurance policies tend to have much lower coverage limits than international health plans, as they\u2019re designed to provide enough cover to see you well enough to send you home in the event of a medical emergency.<\/p>\n<p>There\u2019s no such thing as a one-size-fits-all plan, so before purchasing a health insurance plan it can pay to seek advice from an experienced broker like Pacific Prime for impartial insurance advice.<\/p>\n<p>If you have any questions, be sure to <a href=\"https:\/\/www.pacificprime.co.th\/contact-us\" target=\"_blank\" rel=\"noopener\">get in touch<\/a> with our friendly team at Pacific Prime Thailand today.<\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/step-one\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-417\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/05\/PPTH_Gen_01.jpg\" alt=\"Get a Quote CTA Banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Before securing a health insurance plan, there will be a number of things you will need to look out for to determine whether it\u2019s the best fitting plan for your needs; chief among them being the policy exclusions. For those of you who don\u2019t know what it means, a health insurance exclusion refers to anything &#8230;<\/p>\n","protected":false},"author":4,"featured_media":88,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[2],"tags":[437,71,434,69,5,4,70],"class_list":["post-87","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-ban_fam","tag-common-health-insurance-exclusions","tag-cta_gen","tag-exclusions","tag-health-insurance","tag-international-health-insurance","tag-medical-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 6 health insurance exclusions to watch out for - Pacific Prime Thailand<\/title>\n<meta name=\"description\" content=\"A health insurance exclusion refers to anything that your plan won\u2019t cover. 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