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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 its policyholders. Some of the common features are pre and post hospitalization expenses, medication costs, ambulance charges, room rents, and much more. These plans cover a list of diseases under the plans for which the monetary compensation is provided in times of a medical emergency.

The policyholders can seek treatment for any of the mentioned diseases and avail the benefits of their purchased health insurance plans. The plans come with a waiting period during which the features of the policy cannot be availed, and 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, medical profile of the policyholders, sum assured under the plan, etc. You can customize your plans and make the necessary inclusions or exclusions under your purchased policy according to your convenience.

List of Diseases Covered In Health Insurance

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

  • COVID-19

After being mandated by the IRDAI, all the health insurance providers provide coverage for COVID-19 disease. During the pandemic, a lot of people lost their loved ones due to lack of quality treatment and monetary constraints. Therefore, to help the people overcome such situations, the health insurance providers have rolled out COVID-19 specific plans that not only compensate for the hospitalization expenses of the coronavirus but also look after the pre and post hospitalization charges within a short waiting period.

Must Read: 7 Health Insurance Industry Trends

  • Cancer

Cancer is one of the most life-threatening diseases that is widespread in today's world. A lot of people are suffering from cancer due to the major changes in the modern lifestyle or due to medical history. A lot of health insurance plans offer cancer coverage at all the stages of the disease and also provide a second medical opinion to get through the diagnosis procedure of this critical disease. The claim amount for such diseases are offered in lump sum to the policyholders to help them compensate for their loss of income incurred due to the treatment of the disease.

  • High Blood Pressure

Due to the increase in stress at the workplace and other medical reasons, a lot of people are suffering from the issues of blood pressure. Long duration of untreated blood pressure issues can lead to blockage in the blood vessels thus resulting 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

This is a disease in which the patient’s blood sugar levels are above normal and prolonged untreated diabetes can lead to stroke, heart attack, kidney failure, etc. You can receive suitable medical treatments for diabetes without worrying about the monetary constraints with the help of a health insurance plan and its comprehensive coverage.


This is a deadly virus attack that affects the immune system of an individual. The treatment of HIV takes time and it can burn a hole in the pocket of a middle-class individual. Health insurance plans offer the much needed financial support to the policyholders for the treatment of the disease without any hassles.

  • Cataract

Cataract is an eye disorder in which the vision of an individual becomes blurry. The operating costs for cataract can potentially exhaust the financial savings of the individual. Therefore, you can get financial support from the health insurance plans and improve your vision quality without any financial hurdles.


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: All You Need to Know About National Mediclaim Policy

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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