Brokerfish

Failure to seek or follow medical advice

This exclusion on a medical insurance policy means that the policy may not cover treatment required as a result of failure to seek or follow medical advice. This is because it poses a financial risk to the insurer. Failure to seek or follow medical advice, also known as medication nonadherence, when patients don’t take their medications as prescribed by the doctor, is unfortunately more common than one thinks, especially among patients with chronic diseases. This can happen for a variety of reasons such as fear, costs, misunderstanding, too many medications, lack of symptoms, worry, depression, and mistrust. It’s important for doctors and other health professionals to understand why patients don’t take their medications as this will help teams identify and improve patients’ adherence to their medications. This exclusion applies to any treatment that is required as a result of failure to seek or follow medical advice, and it is important for policyholders to follow their doctor’s advice and take their medications as prescribed to avoid any exclusion on their policy.