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Common Illnesses Covered In Health Insurance

Published On Dec 31, 2021 10:00 AM By InsuranceDekho

Medical insurance has appeared in our life like a rescuer angel. Medical insurance is a very essential type of insurance in India. Fever is one of the most prevalent illnesses around the world. Fever is a common reason for people to seek medical insurance benefits. Health insurance is now available for more than just catastrophic conditions. It is also available for common illnesses. Dengue fever, TB, fever, cardiovascular illnesses, dengue, and other ailments are common in India.

You've probably seen that the healthcare sector is continually evolving with a diverse range of services and goods. Consumers all across the world are rapidly becoming more health concerned. People's health and wellness have been severely impacted by fast-paced lives, excessive workload, and increasing environmental change. To know more about illnesses covered under health insurance, read on.

Common Illnesses Covered In Health Insurance

What Is Health Insurance?

Health insurance is a type of insurance that pays for a person's medical and surgical expenditures. It reimburses expenditures incurred as a result of illness or accident, or pays the covered individual's care provider directly.

The cost of an insured person's medical and surgical expenditures is covered by health insurance. Depending on the conditions of the insurance policy, the insured may pay out-of-pocket and then be repaid, or the insurance company may repay costs immediately.

How Does Health Insurance Work?

Health insurance, like any other type of insurance coverage, assists you in dealing with the financial consequences of an accident or emergency. When you apply to buy a plan, the procedure begins. Premium quotations will be offered based on your age, medical history, needed sum insured, and the type of plan you've chosen. In certain situations, you may be requested to undergo a series of medical tests before the insurance company chooses whether or not to give you the coverage you require.

Illnesses That Are Not Just Restricted To Critical Illnesses

Fever is caused by environmental changes, air pollution, poor nutrition, and nutritional influences. It has become one of the most often claimed disorders in medical history. Many claims were filed in 2013 in Bangalore, Mumbai, and Delhi.

IHD (Ischemic Heart Disease) is as dangerous as infectious illnesses including malaria, tuberculosis, and pneumonia. Aside from infections and fevers, cardiac ailments are frequent in India. The major causes of such problems are poor dietary habits and an unhealthy lifestyle. Liver illnesses and lung infections are two more lifestyle-related ailments that are widespread.

List Of Dangerous Diseases

Following is the list of diseases that are considered dangerous and extremely common in India -

  1. Respiratory diseases
  2. Tuberculosis
  3. Cardiovascular diseases
  4. Fever and infections
  5. Unintentional injuries
  6. Malignant tumors
  7. Diarrhoea
  8. Dengue
  9. Chikungunya

Claims are no longer restricted to catastrophic diseases since they are rising at a regular rate. The costs of hospitalisation are covered by insurance companies. These plans are quite beneficial in the event that rapid hospitalisation is required.

Different insurance firms in India have seen that claims have increased dramatically after ailments such as malaria, fever, and dengue fever become prominent. Aside from infectious diseases, insurance firms provide all-inclusive coverage for critical health disorders such as cancer patients. In comparison to previous years, the prevalence of this condition has skyrocketed. In order to obtain cancer insurance, policyholders must pay higher rates.

It is critical for insurance companies to provide coverage for the most frequent diseases seen in this nation. Before purchasing insurance coverage, consumers should conduct extensive research. To be completely effective, the policy must fulfil the criteria and demands of the seeker.


With health insurance, you may be guaranteed of a more secure future in terms of both your health and your finances. Individual health insurance coverage is therefore essential for people, especially if they are responsible for the family's financial well-being.

Also read - What is Health Insurance? A Complete Guide

Health Insurance Vs Medical Loan – Which is Better?

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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