List Of Diseases Covered By Our Health Insurance

For policyholders, health insurance plans come with a slew of features and perks. Pre and post-hospitalisation fees, prescription prices, ambulance charges, room leases, and other costs are all typical aspects. In the event of a medical emergency, these policies cover a list of ailments for which monetary compensation is granted.

Policyholders can seek treatment for any of the ailments listed above while still receiving the benefits of their health insurance coverage. The plans have a waiting period during which the policy's benefits are unavailable, which is defined by the insurer based on the medical condition. The diseases covered by a health insurance plan might vary depending on the type of plan chosen, the policyholders' medical profiles, the plan's amount guaranteed, and other factors. You may personalise your plans and adjust any essential inclusions or exclusions within your purchased coverage as needed. To know more about the diseases covered under health insurance, read on.

Diseases Covered Under Health Insurance

Following are some of the listed diseases covered under health insurance -

1. COVID-19 - COVID-19 illness is now covered by all health insurance companies, according to the IRDAI's requirement. Many individuals died during the epidemic as a result of a lack of effective care and financial restrictions. To assist patients in such situations, health insurance carriers have introduced COVID-19-specific policies that cover not only the coronavirus-related hospitalisation costs, but also the pre- and post-hospitalisation expenditures within a short waiting time.

2. Cancer - Cancer is one of the most common and life-threatening diseases in today's society. Many people are affected by cancer as a result of fundamental changes in modern lifestyle or medical history. Many health insurance plans cover cancer at all stages of the disease and even provide a second medical opinion to help you get through the difficult diagnosis process. The claim amount for such diseases is provided to policyholders in a lump payment to assist them compensate for the loss of income caused as a result of the disease's treatment.

3. High Blood Pressure - Many people are experiencing blood pressure problems as a result of increased working stress and other medical causes. Untreated high blood pressure over an extended period of time can cause a blockage in the blood arteries, resulting in a heart attack or stroke. As a result, it is critical to seek early medical assistance if you have high blood pressure, which can be done easily with the help of a health insurance plan.

4. Diabetes - Diabetes is a condition in which a patient's blood sugar levels are abnormally high, and uncontrolled diabetes can lead to stroke, heart attack, renal failure, and other complications. With the aid of a health insurance plan and its extensive coverage, you may obtain appropriate medical treatments for diabetes without worrying about financial limits.

5. HIV/AIDS - This is a fatal viral attack that damages a person's immune system. HIV therapy is time consuming and can burn a hole in a middle-class person's wallet. Health insurance programmes provide much-needed financial assistance to policyholders for sickness treatment with little difficulties.

6. Cataract - Cataract is a visual problem in which a person's eyesight gets fuzzy. The price of cataract surgery can quickly deplete a person's savings. As a result, you may seek financial assistance from health insurance policies and enhance your eyesight quality without having to worry about money.

7. Heart Ailments - As your heart is the most important organ in your body, you should monitor how it beats on a regular basis. Heart patients can get health insurance that covers a variety of cardiac issues and pre-existing conditions.

8. Critical Illness - Lifestyle illnesses take a toll on health as a result of a sedentary lifestyle, work stress, poor eating habits, alcohol, and other factors. However, because medical inflation is out of control, getting care is difficult until you have health insurance. You may acquire it for a reasonable price and receive a lot of coverage.

Endnotes

Aside from the disorders described above, a health insurance plan covers a variety of additional illnesses. You can acquire a comprehensive list of covered conditions from your insurance terms, and you can add specific problems based on your medical needs.

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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.