The List of Diseases Covered by Health Insurance Policies

A health insurance policy has various benefits. A health plan’s common advantages include hospitalisation charges for both pre and post-hospitalisation, ambulance fees, treatment costs, and so on. Your health insurance provides financial protection for a variety of ailments covered under a health insurance plan. This article will go over the many diseases for which you can receive compensation during a medical emergency.

The diseases covered by a health insurance policy are those for which an insurance policyholder is protected. The insured person can receive the numerous benefits offered under his or her health plan for a specific ailment. Such health insurance policies are offered with a waiting period for pre-existing conditions, during which policyholders are unable to use the plan’s coverage benefits.

The number of illnesses covered by a health insurance policy varies depending on the type of coverage you purchase, as well as other factors such as the insured’s medical condition, the sum insured, and so on. Furthermore, you can change your health plan by adding or removing inclusions and exclusions as needed.

Thus, before purchasing a health plan, it is critical to review the conditions covered by medical as well as the list of diseases covered by health insurance.

Diseases Covered by Health Insurance:

  • High Blood Pressure

Many people these days suffer from high blood pressure. This is because of increased work stress and other medical causes. Untreated high blood pressure for an extended period can cause a blockage in the blood vessels, resulting in a heart attack or stroke. As a result, it is critical to seek early medical attention for blood pressure difficulties, which can be accomplished without difficulty with the assistance of a health insurance plan.

  • Diabetes

This is an illness in which the patient’s blood sugar levels are higher than usual, and untreated diabetes can lead to stroke, heart attack, renal failure, and other complications. With the help of a health insurance plan and its comprehensive coverage, you can receive appropriate medical treatments for diabetes without worrying about financial limits.

  • Covid-19

Following the IRDAI’s rule, all health insurance carriers now cover COVID-19 sickness. Many people died during the epidemic as a result of a lack of effective care and financial constraints. To assist people in such situations, health insurance carriers have devised COVID-19-specific plans that not only compensate for coronavirus hospitalisation expenses but also cover pre and post-hospitalization charges within a short waiting period.

  • Cancer

Cancer is one of the most common life-threatening diseases on today’s globe. Many people are affected by cancer as a result of fundamental changes in their modern lifestyle or medical history. Many health insurance plans cover cancer at all stages of the disease and also provide a second medical opinion to help with the diagnosis of this critical condition. The claim amount for such conditions is offered to policyholders in a lump sum to help them compensate for the loss of income caused by the disease’s treatment.

  • Cataract

A cataract is an eye condition in which a person’s eyes become impaired. The operating costs for cataract surgery may deplete an individual’s savings. As a result, you can obtain financial assistance from health insurance plans and improve your vision quality without facing any financial difficulties.

  • HIV AIDS

This is a common condition that is covered by health insurance. A cataract is an eye condition that impairs vision and is most common among the elderly. Cataract surgery is typically required for therapy. Most healthcare plans, except for group health insurance policies, include cataract surgery. However, there may be a waiting time before the insurance kicks in.

  • Critical Illnesses

There are particular health insurance plans available to cover high-cost risks in the event of a serious disease. These diseases are not only dangerous but also time-and money-demanding.

Many lifestyle and genetic circumstances have greatly raised the likelihood and cost of such dangers. A critical illness health insurance plan is a cost-effective solution to cover a wide range of dangerous disorders such as cancer, multiple sclerosis, Parkinson’s disease, paralysis, myocardial infarction, and so on.

Which diseases are not covered by health insurance? 

To guarantee strict adherence to laws, the IRDAI (Insurance Development Authority of India) has standardised various omissions in a health insurance policy.

  1. Congenital Disorders/Genetic Defects
  2. Cosmetic Surgery
  3. Health issues due to consumption of drugs, alcohol, and smoking
  4. IVF and Infertility Treatments
  5. Pregnancy Treatment
  6. Voluntary Abortion
  7. Pre-existing conditions
  8. Self-Inflicted harm
  9. Transmitted disease

The disorders covered by health insurance vary depending on the type of policy you acquire. You must understand the list of diseases covered by the plan as well as the accompanying terms and conditions for coverage before signing the policy papers. This will let you make an informed policy purchase decision and prevent you from submitting a bogus claim.

Author Bio: Smriti Gala works as a Digital Marketing Manager with Coverfox. As her life turned upside down when COVID severely afflicted her family members, Smriti decided to dedicate her expertise towards informing and educating the masses about the importance of health insurance. When she is not actively writing enlightening content, our ‘monk marketer’ likes to meditate, meet new people and explore less travelled territories.