Investing in medical insurance is all about looking after your health, and that of those closest to you.
A policy from an insurer like Trans Pacific Assurance Limited (TPAL) means that you have the peace of mind that if you get sick or injured, someone will be there to help you cover the costs and get on the road to recovery.
However, many people are not aware of what diseases are covered by a standard medical insurance plan in Papua New Guinea. In this article, we will explore this, and also give some examples of common exclusions so you know exactly what to expect.
What diseases does medical insurance cover?
It is worth checking the exact wording of plans before handing over your money. However, in the vast majority of cases, a medical insurance policy will cover you against all of the most common diseases. This includes illnesses frequently contracted in Papua New Guinea, such as:
- Acute respiratory diseases
- Acute diarrhea
With many of these sicknesses, being able to access quality treatment, fast is crucial. Patients with medical insurance are usually seen by doctors quicker than those in the public sector, and are able to get the best care possible.
What diseases will medical insurance not cover?
Every insurer and every policy is different, so there is no single answer here. However, a number of common exclusions are:
- Dental treatment or surgery where you do not need to go to hospital
- Illnesses caused by intoxicants such as illegal drugs or alcohol
However, perhaps the most important thing to consider when it comes to what is not covered by medical insurance, is pre-existing conditions.
A pre-existing condition means something that you have already received medical advice or treatment for prior to buying an insurance policy. Even if you have not been formally diagnosed with a disease, if the insurer thinks a reasonable person would have realised they had a medical problem, they may also decide not to cover you for this specific item.
The worst thing you can do is decide not to tell an insurer about a medical issue you know about. If you do this, and the insurer finds out, this could invalidate your entire policy. However, if you are honest, you can discuss the condition with your insurer and perhaps they will be able to offer you some coverage.
At TPAL, we have years of experience helping people in PNG find the policies most suited to their individual needs. For more information, get in touch with our team today.