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Importance of Disease Specific Health Insurance Plans

Updated On Oct 21, 2021

With the change in the lifestyle of the people, the requirements of the people have also changed when it comes to the health insurance plans. Regular health insurance plans cannot compensate for the medical expenses of critical illnesses as it costs a lot. Due to the rise in inflation, the costs of treatment have hiked thus resulting in the exhaustion of the financial savings of the policyholders. Therefore, to help the people in difficult situations, the health insurance providers have rolled out various types of health insurance plans that can meet the changing needs of the policyholders.

One of the different types of health insurance plans are the disease-specific health insurance plans, which offer financial aid to the policyholders for a specific critical disease as chosen by the policyholder. These plans, unlike critical illness plans, focus only on a single disease and offer them all the required aid to meet their requirements. These plans ensure immediate medical attention to the policyholder in case of a medical emergency. It is wise and better for the policyholders with an underlying disease or medical history, to invest in a disease-specific health insurance plan.

Importance of Disease Specific Health Insurance Plans

About Disease-Specific Health Insurance Plans

Disease-specific health insurance policies provide coverage and financial aid for a specific critical disease chosen by the policyholder at the time of the purchase of the plan. It is preferable for people who have a family history of critical diseases like diabetes, cancer, heart diseases, lung diseases etc. or for people who want to cover a specific disease under their plan and not pay for other diseases. Following are some of the prominent features of a disease-specific health insurance plan:

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  • Disease-specific plans have a waiting period of 30 days after which the customer can claim the plan for its features and benefits.
  • It offers compensation for expenditures like pre and post-hospitalization, domiciliary expenses,ambulance charges, daily allowance benefits, annual healthcare checkups, and much more.
  • This plan covers a single disease which can be chosen by the policyholder. The diseases that are a part of this cover include diabetes, cancer, cardiac ailments, etc.
  • Disease-specific plans have a lower premium rate when compared to the critical illness health insurance plans.

Importance of Disease Specific Health Insurance Plans

Unlike a critical illness health insurance plan, it does not cover a wide range of chronic diseases. Instead, it provides compensation for a specific critical disease chosen by the policyholder based on their underlying medical condition, medical history, etc. It takes less time to provide the compensation for the treatment of a critical illness when compared to other health insurance plans. Disease-specific health insurance plans cover a critical ailment at any stage, be it the beginner or the critical stage of the disease. It makes sure that the policyholder receives medical attention and healthcare at the earliest in case of an emergency. Therefore, people with a medical history of critical diseases or underlying medical conditions must have a disease-specific health insurance plan.

Popular Disease-Specific Health Insurance Plans

Following are some of the prominently bought disease-specific health insurance policies in the insurance market:

1. Care Heart Mediclaim

This disease specific health insurance policy by Care health insurance firm is for the heart. With the claim amount ranging between Rs. 10 Lakh to Rs. 2 Crores, this cover looks after most of the heart related ailments.

2. Care Cancer Mediclaim Plan

This is another extensive and affordable disease-specific plan by Care health insurance that focuses and deals with the medical bills incurred due to the treatment of cancer.

3. Star Health Diabetes Safe Insurance Plan

This health insurance plan specifically looks after the expenses incurred due to the treatment of both type 1 and type 2 diabetes disease.


A disease-specific health insurance plan is crucial for people who have a pre-existing critical disease or those who have a medical history of chronic ailments. It ensures quality and immediate medical attention at the private hospitals without worrying about the monetary constraints.

Also Read: Top 5 Diseases That You Can Prevent Through Healthy Diet
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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