Health Insurance Plans Covering Pre Existing Conditions

In health insurance, a pre-existing condition refers to an underlying and asymptomatic medical condition. In certain cases, such a condition can affect the course of any other illness or assume overwhelming forms, increasing your susceptibility to critical disease. In India, such health complications are not generally addressed or covered by health insurance companies. If an individual wants to avail of pre-existing medical coverage they usually have to stand out the ‘waiting period’ during which no claims can be made by the policyholder to the insurance company, and neither is the company liable to pay any money to them for any underlying medical issue. This period can be as less as four-month but can also extend to almost 2 years. However, sometimes, health insurance companies can pay for pre-existing conditions provided that the policyholder pays a portion of their medical expenses as ‘co-payment’. The remaining amount will be paid by your health insurance provider.

Thus, at a glance, it might seem difficult to obtain a health insurance plan that comes with pre-existing disease coverage, but prospects are not so grim. There are a few plans that seek to offer financial assistance in this aspect and in this article, we are going to look at the options that you can buy for the same.

Health Insurance Plans Covering Pre Existing Conditions

1. HDFC Ergo my: Health Suraksha Silver Plan

The HDFC Ergo my: Health Suraksha Silver Plan is the most suitable option if someone is looking for health insurance with coverage of pre-existing diseases. It comes at an affordable rate of premium with a sum assured amount that ranges from INR 3 Lakh to INR 5 Lakh. With added hospitalization benefits, daycare procedure coverage, annual health check-up, and domiciliary treatment coverage, this plan is at the top of the list. You can be assured of maximum and all-around medical and financial coverage under this plan without having to pay a single penny by yourself.

2. New India Assurance Senior Citizen Mediclaim Policy

The New India Assurance Senior Citizen Mediclaim Policy offers coverage for pre-existing medical conditions. This policy has a sum assured amount of INR 1 Lakh to INR 1.5 Lakh and covers hospitalization charges, alternative modes of medical treatment vis-a-vis Allopathic treatment like Ayurvedic, Unani and Homeopathic medicine and has a very low waiting period of only 18 months. This is a good option for people who are looking forward to pre-existing medical coverage only at minimal costs.

3. Star Health Senior Citizens Red Carpet Health Insurance Policy

This insurance policy from the Star Health Insurance company is a senior citizen health insurance plan that comes with pre-existing diseases coverage. Without the requirement of any prior medical screening, it is a flexible policy that offers a sum assured amount of INR 25 Lakh. This policy also has a constant rate of premium, making it extremely affordable for all age groups alike and a policyholder can benefit from multiple OPD consultations at several network hospitals at no extra cost.

4. Royal Sundaram Family Plus Plan

Unlike the earlier two plans, this plan is a family floater plan covering your pre-existing medical conditions. It offers a sum assured amount of INR 3 Lakh to INR 50 Lakh and offers a policyholder the unique option of covering their entire family under this plan. From your spouse to parents and children, this insurance plan effectively offers protection against all kinds of underlying and visible health hazards and risks.

These are the different health insurance policies that cover pre-existing medical conditions in India. You can choose to either buy any one of these or look for better options in the market. This list is only suggestive and the plan that you buy will ultimately be contingent on your personal and financial requirements.

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.