Use the Digital Health EMI Network Card for costs excluded from health insurance

It is a well-known fact that the cost for availing medical care is high and isn't always something you can afford out of pocket. For this reason, it is advisable to have some form of health insurance for financial assistance in times of need. Unfortunately, simply having a health policy isn't enough as there are many medical expenses not covered by health insurance that you have to pay for using your savings. In such instances, having an alternate financial instrument like the Bajaj Finserv Digital Health EMI Network Card can be greatly beneficial. Learn more about health card benefits.

To better understand how the card can help, take a look at these 6 health problems not covered by insurance.

Pre-existing conditions

Pre-existing conditions are a common exclusion in health insurance policies. Naturally, these are the ones you may need financial assistance for, but not all policies will provide you with it. Diabetes or high blood pressure are good examples of such illnesses that you may not get coverage for.

However, the Digital Health EMI Network Card offers you a pre-approved limit of up to Rs.4 lakh, which you can use to get 800+ treatments on EMIs. These treatments include everything from dental care to oncology treatment and cardiac surgery. In fact, you can visit over 5,500 healthcare partners spread across 1,000 cities to address your medical needs.

Hair transplantation

Among one of the common health problems in India, hair loss is another common exclusion under health insurance policies and require you to bear the cost of treatment out of pocket. Common procedures include hair transplant, platelet-rich plasma therapy (PRP) or mesotherapy for hair. These treatments address the common problem known as male-pattern baldness that affects many. However, the cost of these procedures is based on the number of grafts and can cost up to lakhs depending on the severity.

Thankfully with the Digital Health EMI Network Card in hand, you can avail the funding you need and do away with the burden of a hefty payment. You can split your medical bills into 3 to 24 No Cost EMIs by choosing a tenor that works for you. Moreover, you can also avail special offers at partner healthcare centres. Here are a few active offers for hair transplantation and restoration.

Cosmetic/Plastic surgeries

While these are classified as surgical procedures, there are a number of common plastic/cosmetic surgeries not covered by insurance. Here are a few examples of such elective procedures.

• Rhinoplasty: Corrects and reshapes the nose for better function and aesthetic value.
• Facelift: Mainly done to bring about a youthful appearance as it tightens facial skin, removes wrinkles and any excess hair.
• Liposuction: An elective cosmetics surgery that removes fat from the body.

All of these procedures can be heavy on the pocket, with liposuctions being the costliest as they are usually accompanied by breast augmentation and tummy tuck procedures.

However, with the health card by Bajaj Finserv, you can avail such treatments on No Cost EMI without burning a hole through your savings. For example, if a procedure is worth Rs.2.40 lakh, you can break it down into 24 instalments worth Rs.10,000 each. With quality healthcare on affordable EMIs, you have one less thing to worry about. To add to that, you get access to avail exclusive offers such as-

Eye Care Dental Care

Owing to the fact that eye correction treatments like LASIK are considered as an elective surgery, they aren't covered by insurance. This is also the case for dental procedures that include dental implants, orthodontics, dentures or jaw alignment and are not brought on by injury or cancer while also requiring hospitalisation.

Using the Digital Health EMI Network Card, you can pay for these procedures affordably and better yet, also take advantage of special offers. Here is an active offer for dental care treatment using the Health Card.

Maternity care

General health plans do not cover maternity treatments or procedures such as IVF or infertility treatments unless as a top-up on the existing policy. This means you'd have to plan and opt for such policy changes in advance as they aren't available from the get go.

Luckily, with the Bajaj Finserv Digital Health EMI Network Card, you have access to the funds you need to cover all costs related to prenatal and post-natal care. What's more, you can also use the Health Card to avail this special offer.

Diagnostic expenses

Before you avail treatment for any kind of illness or health problem, hospitals and clinics generally request that you carry out several diagnostic tests. These include MRIs, CAT scans, biopsies, blood tests and many more. These procedures are typically excluded from health coverage unless they are linked to hospitalisation. Undergoing these tests can cost you quite a sum, depending on the lab you visit and the test you are required to get.

With the Digital Health EMI Network Card, however, you can easily fund this need with the sizable amount available and the special offers currently active on diagnostic care. They are as follows:

When it comes to medical needs, delay or compromise is not really an option. So, rely on the Digital Health EMI Network Card to divide your payments into No Cost EMIs over a flexible tenor and make medical bills one less thing to worry about. Applying for this fully digital health card is also fast and easy. All you need to do is apply online, pay a one-time fee of Rs.707 and get instant activation. So, get it now and get quick access to healthcare on EMIs.