Brokerfish

Natural changes as a result of ageing

Many private health insurance policies exclude coverage for natural changes associated with aging, as these are considered a normal part of the aging process. Examples of age-related exclusions include:

» Treatment to relieve symptoms commonly associated with physiological or natural changes as a result of aging, such as menopause or puberty. These changes are a normal part of the aging process and are not considered to be a medical condition.

» Bone densitometry, which is a test that measures the density of bones to determine the risk of fractures. This test is typically only performed in older individuals and is not considered to be a necessary treatment for a medical condition.

» Reproductive hormone testing, reproductive hormone therapy or hormone replacement therapy (HRT). These treatments are typically only prescribed to individuals who are experiencing symptoms associated with changes in hormone levels due to aging, such as hot flashes or osteoporosis, and are not considered to be a necessary treatment for a medical condition. However, some insurance plans may provide coverage for these treatments under specific benefits, such as a hormone replacement therapy benefit.”