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Home Health InsuranceHealth Insurance Plans Pre-Existing Diseases

Health Insurance Plans Pre-Existing Diseases

A lot of individuals are suffering from diseases like hypertension, thyroid, diabetes, asthma. These chronic diseases are not just an emotional stress but also bring financial instability. Earlier, health insurance companies covered pre-existing diseases with a waiting period of 2-3 months, however, now most of them cover these diseases from day one. Check out the most suitable plans listed below curated by InsuranceDekho’s experts.

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11 Plans found in Rs. 5 Lakh Cover
Sort by : Relevance down-arrow
  • Relevance
  • Premium: Low to High
  • Hospitals: High to Low
Star Health

Comprehensive Individual

Personal Accident cover at no additional cost

Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.

  • Cashless Hospitals253
  • Cover₹5 Lac
Inclusive of 5% Online discount*
From ₹7,864 / Year
89.90 % claim settlement ratio90% Cashless claim settlement within 2 hrs**
  • Single Private A/C Room

    In case of hospitalisation, this is the room coverage provided by the insurance company

  • 100% restoration benefits

    Facility to restore your balance sum insured up to 100% of the base sum insured once in a policy year, which can be used even for the same illness. This is a great way to DOUBLE your SI at no extra price

View 5 more plans from Star Health
Star Health

Comprehensive with PED Buy Back

Personal Accident cover at no additional cost

Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.

  • Cashless Hospitals253
  • Cover₹5 Lac
Inclusive of 5% Online discount*
From ₹9,437 / Year
89.90 % claim settlement ratio90% Cashless claim settlement within 2 hrs**
  • Single Private A/C Room

    In case of hospitalisation, this is the room coverage provided by the insurance company

  • 100% restoration benefits

    Facility to restore your balance sum insured up to 100% of the base sum insured once in a policy year, which can be used even for the same illness. This is a great way to DOUBLE your SI at no extra price

Star Health

Mediclassic Individual Gold

Blood, OT, ICU, Cost of Pacemaker covered
  • Cashless Hospitals253
  • Cover₹5 Lac
Inclusive of 5% Online discount*
From ₹8,649 / Year
89.90 % claim settlement ratio90% Cashless claim settlement within 2 hrs**
  • 25% no claim bonus
  • 200% restoration benefits

    Facility to restore your balance sum insured up to 200% of the base sum insured once in a policy year, which can be used for a non-related illness. This is a great way to increase your SI by TRIPLE at no extra price

Star Health

Mediclassic Individual Silver

  • Cashless Hospitals253
  • Cover₹5 Lac
Inclusive of 5% Online discount*
From ₹7,723 / Year
89.90 % claim settlement ratio90% Cashless claim settlement within 2 hrs**
  • Room rent upto 2% of SI

    In case of hospitalisation, the insurance company would cover room rent upto 2% of Cover Value with a maximum limit of Rs. 5000 per day

  • 5% no claim bonus
  • 200% restoration benefits

    Facility to restore your balance sum insured up to 200% of the base sum insured once in a policy year, which can be used for a non-related illness. This is a great way to increase your SI by TRIPLE at no extra price

Star Health

Mediclasssic Silver with Hospital Cash

Rs.1000 cash/day upto 7 days hospitalisation
  • Cashless Hospitals253
  • Cover₹5 Lac
Inclusive of 5% Online discount*
From ₹8,483 / Year
89.90 % claim settlement ratio90% Cashless claim settlement within 2 hrs**
  • Room rent upto 2% of SI

    In case of hospitalisation, the insurance company would cover room rent upto 2% of Cover Value with a maximum limit of Rs. 5000 per day

  • 5% no claim bonus
  • 200% restoration benefits

    Facility to restore your balance sum insured up to 200% of the base sum insured once in a policy year, which can be used for a non-related illness. This is a great way to increase your SI by TRIPLE at no extra price

Star Health

Mediclasssic Gold with Hospital Cash

Rs.1000 cash/day upto 7 days hospitalisation
  • Cashless Hospitals253
  • Cover₹5 Lac
Inclusive of 5% Online discount*
From ₹9,409 / Year
89.90 % claim settlement ratio90% Cashless claim settlement within 2 hrs**
  • 25% no claim bonus
  • 200% restoration benefits

    Facility to restore your balance sum insured up to 200% of the base sum insured once in a policy year, which can be used for a non-related illness. This is a great way to increase your SI by TRIPLE at no extra price

Care Health

Care Freedom

Annual free health check up (all adults)

Annual health check-up for all insured members covered as adults

  • Cashless Hospitals132
  • Cover₹5 Lac
From ₹6,548 / Year
95.22 % claim settlement ratio2 hr Cashless Claim Processing**
  • Twin sharing room

    In case of hospitalisation, this is the room coverage provided by the insurance company

  • Zero no claim bonus

    For every claim free year, the insurance company would increase base sum insured by this amount

  • 100% restoration benefits

    Facility to restore your balance sum insured up to 100% of the base sum insured once in a policy year, which can be used for a non-related illness. This is a great way to DOUBLE your SI at no extra price

View 4 more plans from Care Health
Care Health

Care Plus Youth

Includes Personal Accident cover

Personal accident plan with accidental death cover for family and permanenet disablement cover for specified disability suffered

  • Cashless Hospitals132
  • Cover₹5 Lac
5% Online + 10% Early bird discount*
From ₹8,585 / Year
95.22 % claim settlement ratio2 hr Cashless Claim Processing**
  • 50% no claim bonus

    Renewal bonus is added in the sum insured for every claim free year. This plan offers No Claim Bonus of up to maximum of 200% of Sum Insured.

  • Unlimited restoration benefits

    Facility to restore your balance sum insured up to 100% of the base sum insured unlimited times in a policy year, which can be used even for the same illness. This is a great way to DOUBLE your SI at no extra price

Care Health

Care Plus Youth + Smart Select

15% discount on selected network hospitals
  • Cashless Hospitals132
  • Cover₹5 Lac
5% Online + 10% Early bird + 15% ...*
From ₹7,297 / Year
95.22 % claim settlement ratio2 hr Cashless Claim Processing**
  • 50% no claim bonus

    Renewal bonus is added in the sum insured for every claim free year. This plan offers No Claim Bonus of up to maximum of 200% of Sum Insured.

  • Unlimited restoration benefits

    Facility to restore your balance sum insured up to 100% of the base sum insured unlimited times in a policy year, which can be used even for the same illness. This is a great way to DOUBLE your SI at no extra price

Care Health

Care Plus Youth + International Second Opinion

2nd opinion from a practitioner outside India

Before going ahead for major illness or injury treatment, you can avail second opinion from a medical practitioner outside India.

  • Cashless Hospitals132
  • Cover₹5 Lac
5% Online + 10% Early bird discount*
From ₹9,310 / Year
95.22 % claim settlement ratio2 hr Cashless Claim Processing**
  • 50% no claim bonus

    Renewal bonus is added in the sum insured for every claim free year. This plan offers No Claim Bonus of up to maximum of 200% of Sum Insured.

  • Unlimited restoration benefits

    Facility to restore your balance sum insured up to 100% of the base sum insured unlimited times in a policy year, which can be used even for the same illness. This is a great way to DOUBLE your SI at no extra price

Care Health

Care Freedom with Health Check Plus

  • Cashless Hospitals132
  • Cover₹5 Lac
From ₹11,858 / Year
95.22 % claim settlement ratio2 hr Cashless Claim Processing**