Plastic surgery covered in health insurance?

Travel Insurance for Swine Flu: Your travel insurance policy can be handy if you happen to catch swine flu while travelling. Standard travel insurance consists of a health-cum-personal accident policy in addition to other covers that cater to baggage and flight inconveniences. Make sure that there is no travel advisory in relation to swine flu for the place you are visiting. So, if you happen to travel to a place much against a travel advisory, the insurer will not give you the monetary benefit.

Health insurance policies do not cover expenses arising out of plastic surgery, cosmetic surgery or elective surgery done under normal circumstances. So that means, if you are getting plastic surgery done to improve your facial structure, the expenses incurred will not be covered in plastic surgery.

There is only one condition where the health insurance can cover plastic surgery expenses: when the surgery is done to correct a facial distortion that is a result of injury due to accident. Also make sure such a thing is mentioned in the exclusion list of the policy.

Insurance for your mobile phone

You can insure your mobile phone under the 'all risk' category of the householder's policy. You can also take a separate policy. The cover available for both is more or less the same. These policies insure your mobile phone against the risk of theft, riot and strike, malicious act and accident. The householder's policy does not cover normal wear and tear, electrical breakdown and damage due to intentional act of the insured. The compensation is equivalent to the cost of replacement of the instrument by a new instrument of the same specification, subject to the insured.