Best Health Insurance Plans For Pre-Existing Diseases To Buy In 2022

Health insurance is medical and financial protection against a wide range of illnesses, injuries, and impairments. One such aspect is pre-existing diseases, which refers to an underlying and asymptomatic health disorder arising out of a genetic condition, complicating and overwhelming the course of any other disease.

If you want to avail medical and financial cover 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 2022. 

Best Health Insurance Plans For Pre-Existing Diseases

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

Under this health insurance plan, a policyholder can get coverage for pre-existing diseases from the first day of purchasing the policy. There is no copayment or waiting period clause and it is designed for patients suffering from Type 1,Type 2 diabetes and hypertension.  Along with pre- and post-hospitalization fees, 144 childcare treatments, a no-claim bonus benefit, and a total insured value ranging from INR 2 lakh to INR 50 lakh, this plan also includes many benefits.

• Aditya Birla Activ Health Enhanced Plan
  

This plan is a variant of the Aditya Birla Activ Health Plan that comes with coverage for pre-existing diseases without co-payment or a waiting period. It offers comprehensive health benefits that can be availed from the day of policy commencement and include pre and post hospitalisation charges, an annual free health check up, transportation costs, international coverage for critical illnesses, and a sum insured amount between INR 2 Lakh and INR 2 Crore. Other benefits under this policy include optional add-ons that can be bought with the payment of a slightly higher premium. 

• HDFC ERGO Energy Gold Health Insurance Plan 

This health insurance plan provides coverage to people suffering from diabetes, hypertension, and impaired glucose tolerance. Pre-existing conditions are covered under this plan from the start date of the insurance policy. Furthermore, it offers pre and post-hospitalization fees as well as customized wellness programmes with a free HbA1C checkup to monitor the health of policyholders regularly. It offers a cashless hospitalization benefit and a sum insured value ranging from INR 2 Lakh to INR 50 Lakh at more than 10,000 network hospitals in India.

• Star Health Diabetes Safe Health Insurance Plan 

This policy, as the name implies, provides coverage for diabetic patients. It is available as both a family floater and an individual cover option. Pre-existing disease coverage can be availed under this plan from the first day of policy commencement after undergoing basic medical tests. It also includes OPD coverage and surgery costs, subjected to sub-limits and an impressive sum insured amount ranging between INR 3 Lakh to INR 10 Lakh.

Take Away 

These are in short a list of the best pre-existing disease health insurance plans that you can buy in 2022 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.

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