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Does Health Insurance Cover Multiple Sclerosis in India?

Updated On Aug 16, 2023

A health insurance policy is necessary to pay for the medical expenses incurred. Having robust health insurance that provides multiple covers, ensures that there is no compromising on the quality of healthcare. This is why it is important to get a health insurance policy that will cover the health concern in question. This article discusses whether health insurance policies in India cover multiple sclerosis.

Does Health Insurance Cover Multiple Sclerosis in India?

What is Multiple Sclerosis?

Multiple Sclerosis is a neurological condition that primarily targets the central nervous system. It’s a chronic disease and compromises the immune system. Moreover, there is also no cure available for this disease. One can only control the symptoms of it. Patients affected by multiple sclerosis have their brain functions compromised as their central nervous system cannot send the appropriate signals to the rest of their body. Due to the varied and volatile nature of this condition, symptoms may differ from person to person and even from time to time. Nevertheless, some of the most common symptoms include fatigue, blurry vision, speech issues and more.

Must Read: Things You Should Know When Buying Health Insurance for Pre-Existing Conditions

Does Health Insurance Cover Multiple Sclerosis in India?

Since there is no proper cure for the disease, continuous treatment is required so that the patient can live their daily lives. As a result, there are costs incurred due to regular treatment. There is no specific cover designed to cater to the particular needs of multiple sclerosis. However, there are many generic covers that provide for the various expenses that can go into the treatment of multiple sclerosis. The following are some of the most crucial ones. Nevertheless, there are many other covers as well, which might be just as useful.

1. Critical Illness Cover

A critical illness cover enhances the features of a basic insurance plan to feature more benefits for those who are suffering from terminal conditions like multiple sclerosis. It not only pays for immediate surgeries or major procedures, but also for associated tests and treatments. There are charges like ICU costs and such included, which are usually needed in case of critical illnesses. The payout is usually in a lump sum. The exact amount differs from one insurance provider to another, and depends on the sum insured of the policyholder in question.

2. Second Opinion Cover

In the case of critical illnesses such as multiple sclerosis, people often seek multiple consultations before coming to a conclusion. This is rightly so because in case of such terminal illnesses it is necessary to get multiple consultations before you can settle on a method of treatment. Moreover, the diagnosis might be costly due to the complicated nature of the disease. Medical professionals might charge more, on top of what tests might be needed to be done. With this kind of cover, you can go forward with more than one consultation without feeling hesitant. A second opinion from a registered medical practitioner is paid for with this cover.


It might be disheartening getting diagnosed with multiple sclerosis because it hampers daily functioning as well as is a volatile illness, with no concrete treatment. To have financial woes on top of that just adds to all the pressure and is not something the policyholder should be subjected to. This is why it is important to get a robust health insurance plan with appropriate covers so that there are sufficient benefits available for the overall treatment of the patient, with no compromises. 

Also Read: Things You Didn’t Know Health Insurance Covers

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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