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List of Diseases Covered In Health Insurance

Published On Nov 29, 2021 10:00 AM By InsuranceDekho

Health insurance plans come packed with a bunch of features and benefits for their policyholders. Some of the common features are pre-and post-hospitalization costs, prescription costs, ambulance fees, room rent, and others. These plans provide a list of ailments for which financial assistance is given in case of a medical emergency.

If you are covered by the policy, then you can seek medical treatment for any of the mentioned diseases. Health insurance plans typically have a waiting period during which the policyholder cannot register any claim. The duration of this period is determined by the insurer according to the medical condition. 

The range of diseases included under a health insurance plan can differ according to the type of plan chosen, the medical profile of the policyholders, the sum assured under the plan, etc.

List of Diseases Covered In Health Insurance

List of Diseases Covered In Health Insurance

Following are some of the prominent diseases that are covered under health insurance plans by the insurers:

  • COVID-19

All health insurance providers must provide coverage for COVID-19 disease after being mandated by the IRDAI. During the global pandemic, many people lost their loved ones because of a lack of quality treatment and monetary constraints. Therefore, to help people overcome such situations, health insurance providers have rolled out COVID-19 specific plans. The health insurance plan will not only compensate for the hospitalisation expenses of the coronavirus but also looks after the pre and post hospitalisation charges within a short waiting period.

  • Cancer

One of the most life-threatening illnesses that is currently prevalent in the world is cancer. Due to the changes in the modern lifestyle and a long medical history, cancer can affect people of all age groups. Hence, many insurance companies are providing coverage for all stages of cancer to help the survivors financially. Moreover, providers will help you with a second medical opinion to get through the diagnosis procedure. 

The claim amount for such diseases is offered in a lump sum to the policyholders to help them compensate for the loss of income incurred due to the disease.

  • High Blood Pressure

Workplace stress, or possibly any other medical condition, is causing an increasing number of people to add their names to the list of blood pressure patients. It is critical to treat high blood pressure as soon as possible because it can lead to blockage in the blood vessels, which can result in a heart attack or stroke. Therefore, it is important to seek immediate medical attention for blood pressure issues, which can be done without any hassles with the help of a health insurance plan.

  • Diabetes

Diabetes is a condition in which the blood sugar levels of the patient are above normal. Generally, there is no permanent cure for the disease, but if it is not prevented, it can lead to more severe conditions like stroke, heart attack, kidney failure, and many others. With the help of a health insurance plan available with comprehensive coverage, a diabetic patient can get the proper treatment without any financial strain.


HIV/AIDS is a deadly disease that occurs due to the attack of a virus and affects the immune system of an individual. Though there is no permanent cure for HIV, but it can be controlled with proper medical care. There are many health insurance plans available that provide much needed financial assistance to policyholders for treatment with minimal hassle. 

  • Cataract

A cataract is an eye disorder in which the vision of an individual becomes blurry. The operating costs for cataract surgery can potentially exhaust the financial savings of the individual. As a result, you can receive financial assistance from health insurance plans and improve your vision quality without financial constraints.


Apart from the above-mentioned diseases, a health insurance plan offers several other diseases to its policyholders. You can get the complete list of included diseases under your policy terms, and you can include certain disorders according to your medical requirements.

Also Read: 

HDFC Ergo Health Insurance Plan: Easy Steps To Renew Your Policy

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