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Comprehensive Cover Versus Disease Specific Policy

Published On Nov 21, 2020

Buying a health insurance policy usually involves a lot of analysis. For instance, whether you want to buy an individual plan or a family floater one? Whether you want OPD expenses to be covered or not. The list of key elements to analyze is endless. But, what if you don't know whether to buy a comprehensive health insurance policy or a disease-specific plan in the first place? What if you are not able to make out which one would benefit you more? If you are being indecisive about the type of coverage you want, you are in the right place.

To have a better understanding of your ultimate choice, it would be best to uncover the two terms in the first place. Let us shed light on comprehensive health insurance.

What Is Comprehensive Health Insurance?

True to its name, comprehensive health insurance is the health insurance that provides cover for all kinds of major illnesses, as well as seasonal illnesses. The traditional health insurance type, comprehensive health insurance policy provides cover for the illnesses according to the plan opted by the policyholder.

What Is a Disease-Specific Health Insurance Policy?

As the name suggests, disease-specific plans cover only a particular disease. This disease can be cancer, heart disease, diabetes, or any other. The disease-specific health insurance policy provides cover for a specific disease at any stage, even if it is the beginning of a critical stage.

Comprehensive Health Insurance or Disease-Specific Plan - Which One to Choose?

The difference between the Comprehensive Health Insurance or Disease-Specific Plan is quite simple. Let us shed light on the same.


Comprehensive Health Insurance

Disease-Specific Plan

Disease Coverage

Covers multiple illnesses

Covers a particular disease

Sum Insured



Whether you want to choose a comprehensive health insurance plan or a disease-specific policy is something that would depend on your precise need. However, it is advisable to choose a comprehensive plan. Why? It is because it will cover all your medical concerns. What's more is that the sum insured amount in your comprehensive health insurance policy will be high, which would mean high coverage.

Even if you are looking for a disease-specific plan for coronavirus, it would be best to buy comprehensive cover as the sum provided in the case of a disease-specific plan would be low.

What you can also do is buy a comprehensive cover at first and then complement it with a disease-specific plan. You can even purchase a top-up plan to increase the sum insured amount as well as the overall coverage benefits.

On the other hand, it is advisable to choose a disease-specific health insurance plan if you have a family history of a specific disease.

At Last

Before purchasing comprehensive health insurance or disease-specific policy, make sure you perform a detailed analysis of your specific needs. Keeping your medical needs as well as budget in mind will definitely help you make the right decision. Emphasizing all that is necessary to you will help you make the most of your choice.

You May Also Like To Read: Benefits Of Renewing Health Insurance Policy On Time

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.

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