What is typically not covered under a basic health insurance policy?

A basic health insurance policy generally includes coverage for essential medical services such as inpatient hospitalization, preventive care services, and emergency room visits. However, cosmetic surgery is typically excluded from these policies unless it is deemed medically necessary.

Cosmetic procedures are considered elective and are performed to improve appearance rather than for the treatment of a medical condition. This distinction is significant because health insurance is designed to cover necessary medical expenses that contribute to a member's health and well-being. On the other hand, elective cosmetic surgeries do not fall under this category, emphasizing that basic health insurance policies focus on essential health needs rather than optional enhancements.