Health insurance is an important safeguard that everyone should have since it can save you from many unexpected medical expenses. But before getting into the details of health insurance policy, do you know what diseases are included and covered by health insurance plans in India?
Understanding this is important so that you can make informed choices about what kind of plan you want to opt for. In this blog, we’ll explore the various diseases covered by health insurance plans in India so that you can understand the benefits of securing a comprehensive health insurance plan.
It is important to note that if these conditions are declared at the time of purchase of policy then these conditions will have a pre-existing waiting period, during which claims related to these conditions will not be paid. It is advisable to disclose the health conditions with utmost good faith and honesty.
Diseases Covered by Health Insurance
High Blood Pressure
High blood pressure, also known as hypertension, is a common condition that can cause severe health issues such as strokes and heart attacks. Treating high blood pressure often includes long-term medication or surgery, which can be expensive.
Thankfully, most health insurance plans cover the treatment costs for high blood pressure and related complications which can significantly ease the financial burden on patients and their families.
Diabetes
Diabetes is a pretty common condition among Indian patients with millions of people affected. It’s a chronic illness that can potentially cause many severe complications like kidney failure, strokes, difficulty in healing, and nerve damage.
Health insurance plans in India typically cover the treatment of diabetes, including medications, regular check-ups, and any complications that arise. Having health insurance makes sure that diabetic patients can manage their condition without financial stress.
COVID-19
The COVID-19 pandemic has highlighted the importance of having a strong health insurance policy for everyone. COVID-19 can cause a range of symptoms, from mild flu-like signs to severe respiratory issues and organ failure.
Many types of health insurance plans now include coverage for COVID-19, covering hospitalization, medication, and treatment costs, providing peace of mind during these uncertain times.
Cancer
Cancer treatment can not only be physically draining but it is also financially draining due to the extensive medical care required, including chemotherapy, surgery, and medication. Most comprehensive health insurance plans in India cover various types of cancer so that patients can access the necessary treatments without worrying about the cost.
Coverage usually includes hospitalization, treatments, and follow-up care which offers critical support during a challenging time.
Cataract
Cataract surgery is one of the most common eye surgeries in India, with millions of procedures performed annually. The cost of cataract surgery can differ significantly based on how complex the procedure is.
Health insurance plans generally cover cataract surgery after a waiting period which makes it easier for patients to manage the expenses without much financial strain.
HIV/AIDS
HIV/AIDS patients require ongoing treatment and care due to their compromised immune systems. Health insurance plans in India now offer coverage for HIV/AIDS which includes hospitalization, treatment costs, and day-care procedures.
This coverage provides necessary financial support to patients who manage this long-term condition so that they can access the necessary medical care without unnecessary financial pressure.
Critical Illnesses
Critical illnesses such as cancer, heart disease, and multiple sclerosis can be life-threatening and require extensive medical treatment. Critical illness health insurance plans are designed to cover the high costs associated with these severe conditions. These plans typically offer a lump sum payout upon diagnosis, which can be used for treatment, recovery, and even daily living expenses.
Which Diseases are Not Covered by Health Insurance?
While health insurance plans offer extensive coverage, certain conditions and treatments are generally excluded. Here are some common exclusions:
- Cosmetic surgery, unless necessary for reconstruction after an accident or illness.
- Health issues caused by the consumption of alcohol or drugs.
- Infertility treatments such as IVF.
- Self-inflicted injuries.
- Pre-existing illnesses, unless explicitly covered by the insurer through additional premiums or add-ons.
Conclusion
Health insurance plans in India cover a wide range of diseases so that you are financially protected during medical emergencies. A proper health case insurance policy can offer peace of mind to both you and your family by covering common and critical illnesses. Moreover, critical illness health insurance plans provide extra security against life-threatening diseases which makes them a valuable addition to your health coverage.
Investing in a good health insurance policy is not just about covering medical costs, it’s about maintaining your health without financial worries. Make sure that you choose a plan that covers your specific needs and provides the best possible protection for you and your loved ones.
Interesting Related Article: “Health Insurance Policy for the Elderly: How to Choose the Right One“
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