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List of Diseases Covered Under Health Insurance

Published On Mar 11, 2022 10:00 AM By InsuranceDekho

Health insurance policies include a plethora of features and advantages for subscribers. Pre and post-hospitalization fees, prescription prices, ambulance charges, room leases, and other costs are all typical aspects. These plans cover a number of ailments for which monetary compensation is offered in the event of a medical emergency. Policyholders can seek treatment for any of the conditions listed above while still receiving the benefits of their bought health insurance coverage. The plans have a waiting time during which the policy's provisions cannot be used, which is chosen by the insurer based on the medical condition. The diseases covered by a health insurance plan might vary depending on the kind of plan chosen, the medical profile of the policyholders, the sum insured under the plan, and so on. You may personalize your plans and establish the essential inclusions and exclusions under your purchased coverage to suit your needs.

Diseases Covered by Health Insurance

The following are some of the most common ailments that insurers cover under health insurance plans:

1. COVID-19

Following the IRDAI's rule, all health insurance carriers now cover COVID-19 sickness. Many individuals died during the epidemic as a result of a lack of effective care and financial restrictions. As a result, in order to assist individuals in such situations, health insurance companies have devised COVID-19-specific policies that not only pay for coronavirus hospitalization expenditures but also cover pre and post hospitalization charges within a short waiting period.

2. Cancer

Cancer is one of the most common life-threatening diseases in today's globe. Many people are affected by cancer as a result of fundamental changes in modern lifestyle or medical history. Many health insurance policies cover cancer at all stages of the disease and also provide a second medical opinion to help with the diagnosis of this crucial condition. 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 suffering from 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 care for blood pressure difficulties, which can be accomplished without difficulty with the assistance of a health insurance plan

4. Diabetes

This is an illness in which the patient's blood sugar levels are higher than usual, 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.


This is a lethal viral attack that damages an individual'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 minimal trouble.

6. Cataract

A cataract is an eye condition in which an individual's eyesight gets fuzzy. The operational expenditures for cataract surgery may deplete an individual's financial reserves.As a result, you can receive financial assistance from health insurance policies and improve your eyesight quality without incurring any financial hardship.


Aside from the disorders described above, a health insurance plan covers a variety of other diseases for its subscribers. Under your insurance terms, you may obtain a comprehensive list of covered conditions, and you can specify specific problems based on your medical needs.

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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