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Top 5 Disease Specific Health Insurance Plans In India

Updated On Sep 20, 2021

Due to the increase in the inflation in the health sector, the cost of basic treatments has increased rapidly thus leading to exhaustion of financial savings of the individuals. Therefore, people prefer health insurance policies as a wise choice to have some financial backup for medical expenses. Health insurance plans ensure the policyholders quality treatment and cashless claims at the private hospitals that are linked as network hospitals with the health insurance provider. There are different types of health insurance plans to meet the different requirements of the policyholders. Some of which are maternity benefit plans, critical illness plans, personal accident plans, disease-specific plans, and much more. 

Disease specific health insurance policies come into action when a person is diagnosed with a specific disease. It covers the medical dues incurred during the treatment of one particular disease chosen by the customer like diabetes, cancer, hypertension, etc. A person must invest in a particular and suitable disease-specific health insurance plan only when they are sure that they are suffering from a specific disease. This plan covers all the hospitalization, ambulance, room rents, inpatient expenses, and much more that incur during the hospitalization for the treatment of a specific disease.  

About Disease-Specific Health Insurance Plans 

Disease-specific health insurance covers are extensive and offer financial aid to the customers at an affordable price for a specific critical disease chosen by the policyholder. Following are some of the standard features and benefits of a disease-specific health insurance plan that can be availed by the customers at the time of claim settlement process: 

  • This health insurance cover can be claimed after a period of up to 30 days. 
  • This plan looks after the medical dues of a single disease which can be chosen by the customer. 
  • Disease-specific ailments have a lower premium rate as they cover only one disease when compared to the critical illness covers. 

Top 5 Disease-Specific Health Insurance Plans 

Let us look at  some of the top disease-specific health insurance covers that are offered by different health insurance providers to their policyholders: 

1. Care Heart Mediclaim 

This is a heart diseases specific health insurance policy Care health insurance firm. This is one of the affordable disease specific plans and sufficiently covers the high cost of treatment for heart diseases. With the claim amount of Rs. 10 Lakh to Rs. 2 Crores, this cover includes all the heart related diseases. It provides cashless claims across a wide network of linked hospitals. It also offers easy and hassle free installment options.

2. Care Cancer Mediclaim Plan

This is another exclusive and cost-effective health insurance plan by Care health insurance company which focuses and deals with the medical dues incurred due to the treatment of cancer. Since, the cost of treatment for cancer across the country is very high that it can potentially exhaust all your savings, therefore this health insurance policy is like a saviour for all those who want to be insured under a plan that protects them against the costs of treatment of cancer disease. 

3. Star Health Diabetes Safe Insurance Plan

This health insurance plan has been specifically designed to meet the expenses incurred due to the treatment of both type 1 and type 2 diabetes disease. It does not come with a waiting period, that is customers can avail the benefits of this plan without any delay from the date of purchase of the plan. Anyone between the age of 18 to 65 years suffering from diabetes can enjoy the perks of this plan.

4. HDFC Ergo - Dengue Care Plan 

This plan provides protection against dengue disease. A large part of the population in our country is affected by dengue every year, and a lot of people even lose their lives. Therefore, to help them receive quality and immediate treatment without worrying about the finances, this plan offers comprehensive coverage. 

5. Aditya Birla Cancer Secure 

Rolled out by Aditya Birla health insurance firm, this health insurance policy provides coverage for people suffering from cancer. It provides monetary compensation for chemotherapy, radiation treatments, medications, diagnosis, and much more at an affordable price. 


You must conduct your own research and look for more plans that meet your requirements at an affordable price, and then after comparing the suitable plans, you can invest in a specific health insurance plan. You must analyze your requirements before putting your money in a certain policy. 

Also read - Best Health Inusrance Plans With COVID-19 Cover

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