6 min read
Updated on Mar 24, 2023
A health insurance plan has numerous features. Some of the common benefits of a health plan are hospitalization costs for both pre and post hospitalization, ambulance costs, treatment costs, and so on. There are various diseases covered under a health insurance plan for which financial protection is offered by your health insurer. In this blog, we are discussing the various diseases for which you can get compensation during a medical emergency.
The diseases that are covered under a health policy are the ones for which an insurance policyholder is allowed protection for. The insured individual can get the various benefits that are available under his/her health plan for a particular disease. These so-called best health insurance plans are available with a period of waiting for existing diseases and during that period policyholders are not able to avail the coverage benefits under the plan.
The number of illnesses that are included under a health policy differs as per the kind of plan that you choose to buy as well as on other things like medical conditions of the insured, sum insured and so on. Further, it is also possible to modify your health plan and add or remove inclusions and exclusions as per your convenience.
Thus, checking the diseases covered under mediclaim as well as the list of diseases not covered under health insurance is important before buying health insurance online.
Below is a list of diseases covered under health insurance policies.
In the current scenario, Cancer has turned to be the most critical disease that has spread widely across the globe. Millions of people suffer from this deadly disease every year. Cancer is the result of major changes in lifestyle and also due to other medical conditions. Cancer comes under the slow growing disease list in health insurance. There are a large number of health insurance providers offering health insurance plans that offer protection against cancer at different stages. These plans also protect you against the costs incurred in going for a second opinion by specialists for diagnosis of the disease. The insurer offers a lump sum claim amount for treatment of such diseases to the policyholders so that they can get compensated for the monetary loss due to the treatment of cancer.
Also Check: Top 5 Health Insurance Companies in India 2022
COVID-19 became a part of most health insurance covers after IRDAI made it mandatory. Henceforth, most insurers are offering health insurance plans with COVID-19 coverage. A lot many lives were lost due to Covid-19 during the pandemic and people lost their near and dear ones to this deadly disease. This was mainly because of monetary constraints and lack of good treatment. So, to help people to support to overcome such a disease, health policy providers have introduced many plans to protect against hospitalization costs for Covid-19 and compensate against such costs. These plans also offer pre, post hospitalization cost coverage.
High BP is the result of the rising level of stress at work, at home and overall. Moreover, it can also be the result of other medical conditions. A large population of India suffers from high blood pressure. If not treated or not given attention for long, high BP can lead to blood vessel blockage which causes diseases like stroke, heart attack etc. Thus, it is essential to get immediate treatment and medical attention for High BP. And for this, it is important to have a health insurance plan that could cover you against the costs incurred for BP treatment without any monetary hassles.
Also Read: Pre-Existing Disease in a Health Insurance Policy
Diabetes is a lifestyle disease that has become common lately. Diabetes is of different types and levels and they can be deadly if not given proper attention. In diabetes, the blood sugar of a patient rises above normal level. If you keep the disease unnoticed for long, it can lead to several fatal diseases like stroke, kidney failure, heart attack and many others. With health insurance by your side that covers diabetes, you can get the best treatment for the disease without any financial limitations. However, you have to opt for a health insurance plan with comprehensive coverage to avail protection against diabetes.
HIV is a virus which is regarded as deadly and it affects the immune system of people. HIV takes time to heal and it costs a lot. The cost incurred in the treatment of HIV can alter the savings and budget of a normal family. Thus, having an insurance plan covering your health against such diseases like HIV/AIDS is beneficial as it supports the insured and his/her family against the expensive treatment.
Cataract is another disease that is covered under most health insurance plans. Cataract is an eye disease where a person finds it unable to see. Here the vision of the person becomes blurred. Cataract requires an individual to operate the eye to return his/her vision. The operation of the eye costs much to exhaust the savings of a low-income household. Thus, having a health insurance policy can allow you enough support to incur the costs of operating the eye for a cataract patient without any financial obstacle.
Also Check: Most Dangerous Diseases
Also Check: Star Health Insurance Not Covered Diseases List
Health insurance plans also covered slow growing disease like cancer, piles, etc. but there is an awaiting period for the treatment of these diseases.
Also Read: Common Diseases in India and Its Impact on Health Insurance Policy
Besides the diseases mentioned above, a health insurance plan also offers coverage against many other diseases to the policyholder. As per the medical requirement of an insured individual, he/she can get the entire list of illnesses that are available under his/her policy as per the terms and conditions of the policy.
However, it is also important for policyholders to check the diseases not covered under health insurance before buying a policy. This will also help the insured to choose the right policy as per his/her health requirement.
You deserve the best of health insurance!
Answer a few simple questions to determine the ideal plan that suits you best at PayBima Health Advisory.
Browse PayBima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance, and Investment section. You can visit PayBima to Buy Insurance Online.
View this post on Instagram
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
With the approaching World Brain Tumor Day on June 8, a peek into this deadly condition, how it is caused, and how this international day.
Food not only helps provide nourishment and facilitate survival but can also essentially serve the purpose of medicine. So can be proven by its role.
A new and exclusive health insurance benefit to Govt. employees and pensioners in Kerala In its fervent attempt to ensure that every individual in every.
Buying a health insurance plan is essential, but several people refrain from investing in such plans, and prefer investing in fixed deposits, mutual funds, and.
Nature has bestowed us with many beneficial trees and plants that we may not be aware of. Moringa or Drumstick plant is one such tree,.
Be it a huge conglomerate or a small business, a health insurance plan is imperative for one and all. Securing your employees and their families.
Are you looking at easy and effortless reimbursement claims for your health insurance? Here are some important things you should know about medical claim Reimbursements..
April 17 marks the World Haemophilia Day which is commemorated annually and is dedicated to people who have haemophilia. Let us discuss the history and.
Malaria is a disease caused by infected mosquito bites. On the occasion of World Malaria Day on April 25, 2023 let us highlight the commitment.
April 10 marks the event of World Homeopathy Day every year emphasising the importance of Homeopathy and its influence on health. Let us read more.
Speak to our advisor
Corporate Office : Mahindra Insurance Brokers Ltd ( A Mahindra Group Company ) Sadhana House, Ground Floor, 570 P. B. Marg, Behind Mahindra Towers, Worli, Mumbai 400018.
Licenced by IRDAI License No. 261; License Validity : 17-05-2025; Category : Composite Broker; CIN : U65990MH1987PLCO42609 Member of Insurance Brokers Association of India (IBAI).
Insurance is the subject matter of solicitation.
For a seamless experience, use the latest version of Chrome/Firefox/Internet Explorer.
Copyright © 2023 Mahindra Insurance Brokers. All Right Reserved.