Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
  Hurry Up!
Save tax in 80D by purchasing a Health Insurance Today. View Plan

List Of The Major Diseases That Should Be Covered In My Health Plan

Published On Aug 30, 2022 11:00 AM By InsuranceDekho

Everyone needs health insurance to lessen the economic strain that could result from a health issue in the household. The cost of treating some ailments can reach a few lakhs in the era of escalating healthcare prices. You might be adequately ready to cover the costs if you have access to health insurance.

In order to give consumers the most protection possible, insurance providers in India now offer a range of policies of health insurance with various perks and additional choices. Several of the basic ailments which are covered by most health insurance plans are listed below.

List Of The Major Diseases That Should Be Covered In My Health Plan

List of Illnesses That Health Insurance Covers

Listed below are some common illnesses that the plans of several companies' health insurance cover:

  • COVID-19

Every health insurance company now offers protection against COVID-19 sickness as stated by the Insurance Regulatory and Development Authority of India (IRDAI). Many individuals lost their family members during the outbreak as a result of poor medical care and financial limitations. In order to assist individuals in overcoming such circumstances, health insurance companies have launched special policies for COVID-19 that cover not just the costs of coronavirus-related hospitalisations as well as the costs associated with before and after hospitalization within a minimal waiting time.

  • High Blood Pressure (Hypertension)

The increasing intensity of stress at the workplace, at home, and generally is what causes high blood pressure. Additionally, it could be brought on by other health issues. In India, a sizable portion of people has a problem with hypertension. High blood pressure can cause blockage of blood vessels, which could also result in disorders like cardiac attacks and strokes if it is not addressed or monitored for a long time. As a result, it's critical to seek early medical diagnosis and medication for high blood pressure. So for that reason, it's crucial to get a health insurance policy that can protect you from the expenses of Hypertension therapy without putting you through financial straits.

  • Cancer

Among the most feared illnesses is cancer. The expense of cancer therapy might reach a few lakhs, based on the nature of the patient's illness and the cancer type that has been identified. Cancer sufferers frequently need specialist treatment, extensive hospital stays, and post-hospitalization therapies including various therapies among other things.

Every health insurance policy generally provides coverage for treatment for cancer, though there might be restrictions. For instance, the insurance may well have a limit on the costs associated with hospitalization if cancer is discovered in its advanced stages or it may have a wait time until it falls within the scope of the plan inclusions. While submitting the claim, be mindful of the plan's terms and conditions.

  • Diabetes

In this condition, the sugar levels in the blood of a person are increased, and long-term uncontrolled diabetes can cause renal failure, cardiac arrest, and other serious health complications. You can acquire adequate healthcare solutions for diabetes without stressing about the financial limits with the assistance of a health insurance policy and its all-inclusive coverage.


This is a fatal virus that leads to the compromise of a person's immunity system. HIV treatment is time-consuming and might drain a middle-class person's bank account. Policies for health insurance provide policy bearers with the necessary monetary assistance so they can treat their illnesses with comfort.

  • Cataract

Another condition that is typically covered by health insurance is cataracts. An individual who has cataracts will lose the ability to see. At this point, the human's vision blurs. A person with a cataract must undergo surgery for the eye in order to regain vision.


In addition to the ailments stated above, a health insurance policy also covers a number of additional illnesses for its customers. The whole list of ailments that are covered by your plan is available to you, and you could add specific problems based on your healthcare issues.

Also Read: 

Health Insurance With Maternity Coverage: An Important Tool To Enjoy Motherhood

Everything About The Need To Buy A Health Insurance Plan For Kids


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.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Disclaimer : Actual Coverage might vary basis your location, age and number of members
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 45 Lacs+ happy customers