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. In this article, let's find an answer to this question.

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      Are Dermatology Treatments Covered by Health Insurance?

      Yes.

      Most dermatology treatments or skin diseases are covered by health insurance plans. If you own a mediclaim policy, you can raise a claim to cover your treatment costs for skin problems.

      In the case of skin cancer, the 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 medical insurance plans only cover hospitalization expenses arising out of a dermatology treatment or surgery. However, 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, and daycare procedures.

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

      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. Ageing, cancer, and cosmetic conditions of hair, fat, skin, nails, 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. However, 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 gradually deplete your savings.

      List of Dermatology Treatments Covered Under Health Insurance

      Take a look at the various skin diseases covered under 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

      List of Dermatology Treatments Not Covered Under Health Insurance

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

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

      Terms & Conditions Related to Health Insurance for Skin Treatment

      There are certain terms & conditions that you must keep in mind if you seek health insurance coverage for skin treatment. 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 for a fixed time period before raising a claim for the same. Generally, the waiting period for pre-existing diseases for most health insurance companies in India is somewhere between 2-3 years.

      Also, please note that if you expect to get coverage for cosmetic or aesthetic dermatology, your insurance company will not help you at all.

      FAQs

      • Q1. Is skin treatment covered by insurance?

        Ans: Yes, most of the skin treatments other than cosmetic or aesthetic dermatology are covered by health insurance. However, the exact coverage may differ from one insurer to another.
      • Q2. Is acne treatment covered by insurance?

        Ans: Yes, health insurance often covers acne treatment as a part of skin care insurance.
      • Q3. Is cosmetic dermatology covered by insurance?

        Ans: Cosmetic dermatology, which includes treatments like Botox, chemical peels, or facials, is not covered by health insurance.
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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