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The list of diseases covered by our health insurance is as follows.

Published On Mar 30, 2022, Updated On Mar 31, 2022

Health insurance policies provide customers with a myriad of features and benefits. Pre- and post-hospitalization fees, medication pricing, ambulance fees, room rents, and other expenses are all common. These policies cover a variety of conditions and provide monetary compensation in the case of a medical emergency. Policyholders can seek treatment for any of the above-mentioned ailments while still obtaining the benefits of their purchased health insurance coverage. The plans have a waiting period during which the policy's provisions cannot be used, which is determined by the insurer depending on the patient's medical condition. The diseases covered by a health insurance plan may differ based on the kind of plan chosen, the medical profile of the subscribers, the quantity insured under the plan, and other factors. To fit your needs, you may tailor your plans and specify the necessary inclusions and exclusions under your purchased coverage.

Disease Covered Under Health Insurance Plans

Some of the most frequent diseases covered by health insurance policies are as follows:

  • COVID-19

All health insurance providers now cover COVID-19 disease in accordance with the IRDAI's rule. Many people perished as a result of a lack of competent care and budgetary constraints during the outbreak.As a result, health insurance firms have designed COVID-19-specific plans that not only pay for coronavirus hospitalisation expenses but also cover pre and post hospitalisation charges within a short waiting period in order to aid persons in such situations.

  • Cancer

Cancer is one of the most frequent and deadly diseases in today's world. Cancer affects many people as a result of fundamental changes in modern lifestyle or medical history. Many health insurance policies cover cancer at all stages and offer a second medical opinion to aid in the diagnosis of this critical ailment. The claim amount for such diseases is granted to policyholders in the form of a lump sum payment to help them compensate for the loss of income caused by the disease's treatment.

  • Blood Pressure

Many people have high blood pressure as a result of increasing work stress and other medical factors. Untreated high blood pressure over time can develop a blockage in the blood vessels, resulting in a heart attack or stroke. As a result, it is vital to seek early medical care for blood pressure problems, which may be easily performed with the help of a health insurance plan.

  • Diabetes

Diabetes is a disease in which the patient's blood sugar levels are higher than normal, and untreated diabetes can lead to stroke, heart attack, kidney failure, and other consequences. With the help of a health insurance plan and its wide coverage, you may acquire proper diabetic medical treatments without worrying about financial constraints.


This is a deadly viral assault that weakens a person's immune system. HIV medicine is time-consuming and might drain a middle-class person's bank account. Health insurance programs give policyholders much-needed financial aid for illness treatment with little hassle.

  • Cataract

A cataract is an eye disorder in which a person's vision becomes blurry. The operating costs of cataract surgery may drain a person's financial savings. As a consequence, you can obtain financial support from health insurance coverage and enhance the quality of your eyesight without experiencing financial difficulty.


Aside from the ailments listed above, a health insurance plan covers a wide range of illnesses for its members. You may get a detailed list of covered conditions from your insurance company, and you can select particular problems depending on your medical requirements.

Also read- In A Health Insurance Policy, There Are A Few Key Terms To Know.

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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.

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