Brokerfish

Genetic testing or genetic engineering

Genetic testing and genetic engineering are usually excluded from International Private Medical Insurance (IPMI) coverage. Genetic testing is the use of various techniques to determine an individual’s genetic makeup, while genetic engineering involves the manipulation of an organism’s genetic makeup using various techniques. These exclusions are in place because genetic testing and genetic engineering are not typically considered to be medically necessary. However, some IPMI policies may include a cancer genome tests benefit in the cancer treatment section of the table of benefits, which may provide coverage for certain genetic testing or genetic engineering procedures. It is important to read and understand the terms and conditions of your specific policy to determine what is covered.

This exclusion is typical in most IPMI policies, with genetic testing and genetic engineering being excluded from coverage. However, some policies may include a cancer genome tests benefit that can provide coverage for certain procedures.