There are various diseases covered under a health insurance plan for which financial protection is offered by a health insurer.
Below is a list of slow growing diseases covered under health insurance policies.
1. Cancer
2. Covid-19
3. High BP (Blood Pressure)
4. Diabetes
5. HIV/AIDS
6. Cataract
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.
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.
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.
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.
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.
1. Pre-Existing Diseases
2. Cosmetic Surgery
3. Abortion
4. Diagnostic Charges
5. Alternative Therapy Charges
6. Supplements