Best Health Insurance Plans For Deadliest Diseases In India
Published On Mar 12, 2021, Updated On May 02, 2021
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India boasts of a well-developed health care system over the past few decades and many fatal diseases such as smallpox, polio, and leprosy amongst others have been successfully eradicated with the help of vaccines, medicines, and modern medical facilities. However, a recent survey by the National Sample Survey Office indicates that there are still some deadly diseases in India, affecting 60% of its population. These diseases include cancer, cardiovascular disorders, respiratory diseases, tuberculosis, malignant tumors, and digestive disorders and are extremely difficult to treat, with high expenses. Naturally, recovering from these diseases is difficult as its treatment costs lie outside the affordability rate of most Indians and private clinics surely burn a hole in your pocket.
Health insurance policies in India now cover a wide range of diseases and create a financial shield in case of an emergency arising out of any of these conditions, Hospitalization expenses have also increased drastically and so it is important for you to be armed with health insurance against the aforementioned deadly diseases in India. Since a comprehensive financial package is your only way of meeting such huge expenses, let’s take a look at the most significant health insurance for deadly diseases in India.
Best Health Insurance Plans For Deadliest Diseases In India
With the increasing demand for comprehensive health insurance coverage, health insurance companies have started offering insurance policies that seem to cover even the deadliest disease in India. The following is a list of some of the most important health insurance policies against the same -
1. Star Health Cardiac Cover
The Star Health Cardiac Cover is specifically designed for treating critical diseases occurring due to cardiovascular disorders amongst people. It covers both pre and post-hospitalization expenses, ambulance costs and offers financial support for as many as 405 daycare treatments. This policy can be availed in two variants, namely the Gold Plan and the Silver Plan. The sum assured amount corresponding with these two plans amounts to INR 3 Lakh and, a policyholder can avail a cashless benefit under this policy. They also have the luxury of being treated at any of its huge network of over 6000 hospitals across India.
2. Aegon Religare Health Assure Plan For Respiratory Diseases
The Aegon Religare Health Assure Plan is considered to be one of the most comprehensive plans against critical and deadly respiratory diseases in India. It seeks to provide financial coverage against lung cancer and covers End-Stage Lung Disease, Chronic Interstitial Lung Disease, and Lung Transplant as well. It comes with an impressive sum assured amount of INR 50 Lakh for life cover and offers additional coverage of INR 3 Lakh for associated critical illnesses a patient might suffer from. This insurance cover from Aegon Religare is thus a good option to invest in, in case you are looking for high policy coverage to prevent the erosion of your savings within a short span of time.
3. Bajaj Allianz Tuberculosis Insurance Cover
While it is difficult to find a standalone health insurance policy for tuberculosis, insurance companies like Bajaj Allianz do offer coverage against it. The plan offered by this insurance provider comes with a coverage amount of INR 50,000. It includes coverage for all medical expenses related to diagnosis, pre and post-hospitalization recovery, consultation, and doctor’s fees. With coverage for daily room rent as well, the Tuberculosis Insurance Cover is a comprehensive option. The plan also has attractive multiple payment options via electronic, online, or offline modes, thus reducing any kind of hindrance that the policyholder might face for paying their premiums.
4. HDFC Ergo Critical Illness Platinum Policy
The HDFC Ergo Critical Illness Platinum Policy seeks to cover malignant tumors that result from cancer. While it is specifically designed to treat end-stage cancer, this policy also offers financial coverage for the treatment of benign tumors. The sum assured for this policy is paid out in a lump sum format after the initial survival period of 30 days from the date of diagnosis. Moreover, 15 other critical illnesses are also covered by this plan. Seeking to secure a policyholder against all kinds of health odds, this policy by HDFC allows a policyholder to avail recovery aids, treatment costs; claim a regular income due to their inability to earn and an additional debts pay off support as well. With all-around coverage, this policy seeks to support you financially against the high expenses of treating cancer, allowing you to focus only on your recovery.
5. Aditya Birla Activ-Secure Cancer Plan;
This health insurance policy is wholly designed for cancer patients. The sum insured offered by this plan varies with the progression and fatality of cancer, corresponding with a payout value of 50% of the total sum assured for diagnosis of early-stage cancer, 100% for major stage cancer, and 150% for advanced-stage cancer. It, therefore, seeks to provide a financial shield against the different medical procedures required for battling cancer such as chemotherapy and radiotherapy. It is a long-term policy and people who are looking forward to securing a health insurance policy to reduce their spending against cancer treatment expenses can easily go for this policy.
Now you are aware of the need for and the different types of health insurance for deadly diseases in India. Anyone can be susceptible to any of the diseases listed above and so it is wise to have a health insurance policy that guards you against it. While it is true that your family’s medical history and socio-economic conditions have a bearing on these diseases like the saying goes: prevention is better than cure. You should align your personal and financial options wisely before deciding to buy or invest in any of the health insurance plans mentioned above.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.