Why Diagnostic Tests are not Covered in Mediclaim in India?

Unlike in some of the other countries which provide a universal health care system, Health insurance in India is restricted to hospitalization, which means that health insurance companies will only pay claims pertaining to medical expenses related to hospitalization. Thus all OPD expenses like consultation fees, expenses on medicines, dental expenses are not payable. So even if some of the tests for example- MRI scans, are very expensive, they are not payable in most of the health insurance policies.

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