Best Pre Existing Diseases Health Insurance To Buy in 2024
Updated On Jan 02, 2024
Health insurance is medical and financial protection against a wide range of illnesses, injuries, and impairments. One such aspect is pre-existing diseases, which refer to an underlying and asymptomatic health disorder arising out of a genetic condition, complicating and overwhelming the course of any other disease.
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If you want to avail medical and financial coverage for a pre-existing medical condition, you would have to ride out the waiting period of your policy, which can extend anywhere from 4 months to 2 years. Your insurance company is not obligated to cover any claims for a disease that develops from a pre-existing condition during this time. However, if you pay the majority of the costs as a "co-payment," health insurance companies may occasionally cover a portion of such fees. Continue reading to learn more about the top health insurance plans that will cover these in 2024.
Best Pre-Existing Diseases Health Insurance Plans
The list of health insurance providers that will provide both financial and medical coverage for pre-existing conditions is given below-
Apollo Munich Energy Health Insurance Plan
Key features of Apollo Pre-existing conditions health insurance are listed below:
- Coverage for pre-existing diseases starts from day one of purchasing the Apollo Munich Energy Health Insurance Plan.
- There are no co-payment requirements or waiting period clauses associated with this plan.
- It is specifically tailored for patients dealing with Type 1, Type 2 diabetes, and hypertension.
- The plan offers comprehensive coverage, including pre-and post-hospitalisation expenses.
- It covers 144 childcare treatments, making it beneficial for families.
- Policyholders can enjoy a no-claim bonus benefit, which rewards them for staying healthy and not making claims.
- The plan provides flexibility with a total insured value ranging from INR 2 lakh to INR 50 lakh, catering to varying coverage needs.
- With its extensive benefits, this insurance plan offers robust medical and financial protection for individuals with pre-existing conditions, especially those managing diabetes and hypertension.
Aditya Birla Activ Health Enhanced Plan
Key features of Aditya Birla Pre-existing illness health insurance are listed below:
- The Aditya Birla Activ Health Enhanced Plan is an extension of the Aditya Birla Activ Health Plan, offering coverage for pre-existing diseases without co-payment or waiting periods.
- Policyholders can access comprehensive health benefits right from the day the policy commences.
- Coverage includes both pre and post-hospitalisation charges, providing a full medical safety net.
- The Aditya Birla Health Insurance plan offers an annual free health checkup, promoting proactive health management.
- It covers transportation costs, which can be important during medical emergencies or for seeking specialized treatment.
- International coverage for critical illnesses is a standout feature, offering peace of mind for those seeking treatment abroad.
- The plan provides a flexible sum insured amount, ranging from INR 2 Lakh to INR 2 Crore, facilitating different coverage needs.
- Optional add-ons are available, allowing policyholders to customize their coverage with additional benefits, albeit at a slightly higher premium.
- The Aditya Birla Activ Health Enhanced Plan ensures comprehensive health coverage and flexibility, making it a valuable choice for individuals looking for protection against pre-existing conditions and other health concerns.
HDFC ERGO Energy Gold Health Insurance Plan
Key features of HDFC ERGO Pre-existing illness health insurance are listed below:
- The HDFC ERGO Energy Gold Health Insurance Plan is designed to provide coverage for individuals dealing with diabetes, hypertension, and impaired glucose tolerance.
- Pre-existing conditions are covered right from the start date of the insurance policy, ensuring immediate protection.
- The HDFC ERGO Health Insurance plan includes coverage for pre- and post-hospitalisation expenses, offering comprehensive financial support during medical treatment.
- It features customized wellness programs that promote overall health and well-being.
- Policyholders benefit from a free HbA1C checkup, enabling regular health monitoring and early intervention.
- An advantage of this plan is the cashless hospitalization benefit, simplifying the claim process and reducing expenses.
- The plan offers a flexible sum insured value, ranging from INR 2 Lakh to INR 50 Lakh, allowing individuals to choose coverage that suits their needs.
- With access to a vast network of over 10,000 hospitals in India, policyholders can receive quality healthcare without financial worries.
- Overall, the HDFC ERGO Energy Gold Health Insurance Plan is tailored to provide comprehensive coverage, health monitoring, and hassle-free access to medical services for those managing diabetes, hypertension, or impaired glucose tolerance.
Star Health Diabetes Safe Health Insurance Plan
Key features for medical insurance and pre-existing conditions insurance provided by Star Health are listed below:
- The Star Health Diabetes Safe Health Insurance Plan is specifically designed to serve individuals with diabetes.
- It offers the flexibility of both family floater and individual coverage options, facilitating different insurance needs.
- Coverage for pre-existing diseases is available right from the first day of policy commencement, provided basic medical tests are undergone.
- An outstanding feature of this Star Health Insurance plan is the inclusion of Outpatient Department (OPD) coverage, which is rare in many health insurance policies.
- Surgery costs are also covered under the plan, subject to sub-limits, providing comprehensive medical coverage.
- Policyholders can choose a sum insured amount that suits their requirements, with options ranging from INR 3 Lakh to INR 10 Lakh.
- This plan ensures that individuals with diabetes have access to the necessary medical care and financial support, including outpatient services and surgeries, all within the specified sum insured limits.
- It offers peace of mind to those managing diabetes, knowing that they can receive timely medical attention and coverage for associated expenses.
- The Star Health Diabetes Safe Health Insurance Plan is a valuable choice for individuals and families looking for specialized insurance for the needs of diabetic patients.
Take Away
These are in short a list of the best pre-existing disease health insurance plans that you can buy in 2024 and maybe this list will help you find one that is right for you. There are many different health insurance plans available, so this list is merely indicative. Your medical and financial demands will ultimately determine the type of plan you purchase.
FAQs
Q. What are pre-existing diseases in the context of health insurance?
A. Pre-existing diseases refer to underlying and asymptomatic health conditions arising from genetic factors that can complicate or worsen other illnesses. Insurance companies may not cover claims related to such conditions during the waiting period.
Q. How long is the waiting period for coverage of pre-existing diseases in health insurance plans?
A. The waiting period can vary from 4 months to 2 years, depending on the policy and insurer. During this period, claims related to pre-existing conditions are typically not covered.
Q. Which health insurance plan covers pre-existing diseases from day one without a waiting period or co-payment?
A. The Apollo Munich Energy Health Insurance Plan provides coverage for pre-existing diseases from the first day of purchase without an awaiting period or co-payment.
Q. What conditions does the Aditya Birla Activ Health Enhanced Plan cover, and does it have waiting periods or co-payments?
A. This plan covers pre-existing diseases without co-payment or waiting periods. It also includes coverage for Type 1 and Type 2 diabetes, and hypertension, and offers a sum insured between INR 2 Lakh and INR 2 Crore.
Q. Which health insurance plan is suitable for people with diabetes and hypertension, offering cashless hospitalisation?
A. The HDFC ERGO Energy Gold Health Insurance Plan covers diabetes, hypertension, and impaired glucose tolerance from the start date. It also offers cashless hospitalisation and a sum insured from INR 2 Lakh to INR 50 Lakh.
Q. Is there a health insurance plan specifically designed for diabetic patients, including OPD coverage and surgery costs?
A. Yes, the Star Health Diabetes Safe Health Insurance Plan provides coverage for diabetic patients, including OPD coverage and surgery costs. It offers a sum insured between INR 3 Lakh to INR 10 Lakh, and coverage starts from the first day after basic medical tests.
