Health insurance has become an essential part of our life. Health insurance comes with many features and coverage benefits like pre and post-hospitalization, ambulance cost, room rent cost, etc. Every health insurance company has mentioned the list of diseases covered under their health insurance plan in the policy documents. So, if you buy a health plan, you should always look at the list of diseases covered under their health insurance plan. Below is the list of diseases commonly covered under health insurance plans in India.
What is the List of Diseases Covered Under Health Insurance?
The list of diseases covered under a health insurance plan may vary from plan to plan, from insurer to insurer. The diseases commonly covered under health insurance plans in India are given below:
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High Blood Pressure
High blood pressure is commonly known as hypertension, is a dangerous condition that increases the risk of severe diseases like heart disease, stroke, and other cardiovascular problems. The course of treatment involves lengthy medication or surgery, which places heavy financial strain on many patients and their families. Most health insurance policies cover the cost of treating high blood pressure and the immediate complications caused directly.
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Cataract
A cataract is an eye condition that causes blurred vision. Operating costs for cataract surgery can deplete a patient's financial reserves. Most health insurance policies cover the cost of cataract treatment. With the help of health insurance, you can improve your vision quality without worrying about the treatment cost.
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Diabetes
Diabetes is a condition when a patient's blood sugar level is higher than normal. In most cases, there is no permanent cure for the disease, but if it is not prevented, it can lead to stroke, heart attack, kidney failure and many other serious problems. With the help of a health insurance plan that provides comprehensive coverage, a diabetic patient can get the necessary treatment without any financial pressure.
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Cancer
Cancer is one of the most deadly diseases in the world. The advancement of technology in medical science has increased the chances of cures for various types of cancer, but the cost of these treatments is very high. Fortunately, many health insurance plans cover the cost of treatment for various types of cancer and help survivors financially.
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Coronavirus
The coronavirus has affected almost everyone, and it is a highly contagious disease caused by the SARS-CoV-2 virus. The effects of Covid-19 can vary from the mild flu to potentially serious illnesses, including pneumonia and multiple organ failure. All health insurance companies must provide coverage for the COVID-19 disease in their health plans as it is mandatory by the insurance regulatory and development authority (IRDAI).
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Dengue
Dengue is a disease caused by the bite of an infected mosquito. The Aedes mosquito species are responsible for spreading the dengue virus. The infection can be seriously complicated and lead to oophoritis, iritis and pneumonia if not treated promptly. All health insurance plans cover the cost of dengue treatment.
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Critical Illness
Health insurance companies offer critical illness health plans to cover critical illnesses. These diseases are deadly as well as money and time-consuming. Buying critical illness health insurance can be an excellent way to cover various critical diseases like multiple sclerosis, cancer, paralysis, Parkinson's disease, myocardial infarction etc.
Disease That is Not Covered Under Health Insurance Plans
Certain diseases and medical conditions are not covered under the health insurance policy. Below mentioned are the disease that is not covered under health insurance plans:
- Cosmetic Treatment
- IVF Treatment
- Self-inflicted Injuries
Conclusion
A health insurance plan covers many other diseases apart from the diseases mentioned above. The complete list of diseases covered under your health insurance policy is available to you in the terms and conditions of your policy. Health insurance protects you against medical crises and can be purchased at an affordable premium.
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