Top 4 Health Insurance Plans For Lifestyle Diseases
Lifestyle disease can strike anyone irrespective of their age.
Today’s changing lifestyle has made us, especially youngsters, more prone to contract lifestyle diseases.
In fact, the chances of such diseases have increased manifold.
Some of the most common lifestyle ailments today’s people are diagnosed with are:
diabetes, heart disease, hypertension, stroke, obesity, cancer, depression, migraine, and so on.
That’s why investing in a good health insurance plan for lifestyle diseases is the best course of action.
However, with so many plans available in the market, making mistakes of settling on a suitable plan is common to happen.
That’s why we have sorted out the 4 best health insurance for lifestyle diseases you can buy online in India.
Energy Insurance
Energy Plan is not just a regular Health Insurance policy, but a Complete Health Management Program. This is a specialized product suitable for individuals suffering from:
- Diabetes Type 1
- Diabetes mellitus Type 2
- Pre-diabetes (IFG, IGT).
This plan is also a product for those suffering from hypertension. It Is available in 4 plan options Gold without Co-pay, Gold with 20% Co-pay, Silver without Co-pay and Silver with 20% Co-pay.
Energy product provides coverage from Day One for all hospitalisation arising out of diabetes and Hypertension.
The top Features of the policy are:
- Personalized wellness program
- Cover from day 1
- No claim bonus of up to 100%
- Up to 25% premium discount on staying healthy
- Health checkup
The sum insured starts from Rs. 2 lakh to 50 lakh.
Key Highlights:
Inpatient treatment: Expenses for inpatient treatment such as nursing, ICU, anaesthesia, OT, medicines, diagnostic procedures are covered.
Hospitalisation: 30 days pre-hospitalisation and 60 days post-hospitalisation.
Daycare procedures: Daycare treatment, including biopsy, cancer chemotherapy, coronary angiography, cataract, haemodialysis, nasal sinus aspiration are covered.
Organ Donor: The plan also covers the expenses for the medical treatment of the organ donor. This includes removing an organ, harvesting it, and transplant surgery.
Wellness Program: With this feature, you are able to avail a personalized health coach and two health checkups every year.
Emergency Ambulance: Apollo Munich gives Rs. 2000 per hospitalisation.
To buy the Energy product, the minimum entry age 18 years and maximum 65 years.
Diabetes Safe Insurance Policy
Diabetes Safe Insurance Policy by Star Health is a diabetes-specific policy, which covers not just complications of Diabetes (both Type I and Type II). But, it also covers regular personal accidents, hospitalization and outpatient expenses.
There are two plans under this policy.
Plan A: Pre-acceptance medical screening is required.
Plan B: No requirement of the pre-acceptance medical screening examination
Key Highlights of the Policy
- The policy is available on individual and floater basis
- Cover for donor expenses for kidney transplant surgery
- Cover for outpatient expenses, including diagnostic tests, medical consultations, drugs, and medicine
- Coverage for all daycare procedures
Benefits of Diabetes Safe Insurance Policy
The Diabetes Safe Insurance Policy covers complications of diabetes, both type 1 and type 2. It also covers other than complications of diabetes. Coverage also includes in-patient treatment, comprising of surgeons fees, room rent, boarding charges, nursing fee, costs of drugs and medicines, anaesthetist charges, etc. This policy also provides coverage for outpatient expenses like medical consultation, diagnostic tests up to specified limits.
To buy Diabetes Safe Insurance Policy, the minimum required age is 18 and maximum 65. An individual needs to be already diagnosed with Diabetes Mellitus to take this plan.
iCan Cancer Insurance
Today, cancer is more of a lifestyle disease. It is caused due to obesity, consumption of tobacco, lack of exercise, fried food regular consumption of junk food. Given that Apollo Munich has introduced an iCan Cancer Insurance policy, which gives cancer patients a wide coverage. This plan has two variants: iCan Essential and iCan Enhance.
No doubt, the costs of cancer treatment can be between 30 to 50 lakh. Your regular health insurance plan to cover this amount can be expensive. Any other way, the iCan comes with large sum insured at low premiums.
Top Features of iCan Insurance
- Lifelong renewal, even after claims
- All types of cancers covered
- Cashless cancer treatment
- 4 months waiting period
- Actual treatment costs covered
- Lump sum payouts
Other benefits of iCan Cancer
Family Care: iCan cancer has been designed to cover your family too. With the option of utilizing 100% lump sum payment of the sum insured, you’re able to protect your family from stage IV cancer, or recurrence of cancer.
CritiCare Benefit: iCan cancer plan comes with the CritiCare benefit. It means when you are diagnosed with cancer of specified severity, you will get a 60% lump sum payout of the sum insured - this amount can be over and above the base sum insured.
Cashless Treatment: With thousands of network hospitals, Apollo Munich allows you to avail cashless cancer treatment. Or enjoy hassle-free reimbursement of treatment costs.
Lifelong Coverage: Under the iCan cancer insurance, Apollo Munich offers you lifelong coverage for cancer treatment irrespective of your health status, or claims.
To buy the iCan plan, feel free to contact insurancedekho.com or visit the official website of the insurer.
Star Cardiac Care Insurance Policy
Star Cardiac Care Insurance Policy by Star Health is a specialized insurance policy for cardiac disease. This is policy is for persons who have undergone Coronary Artery Bypass Graft Surgery (CABG) (By-pass) or Percutaneous Transluminal Coronary Angioplasty (PTCA) (Stenting). Besides, the coverage under this plan also includes pre-existing cardiac ailments after a waiting period of 90 days.
Star Cardiac Care Insurance Policy is best for persons with a history of cardiac ailments. It comes with two variants Gold Plan and Silver Plan. Also, there are four sections under this plan:
- Section 1: Hospitalization cover
- Section 2: Cardiac Section
- Section 3: Out-Patient Expenses
- Section 4: Personal Accident
Key Highlights of the Plan
- Free expert medical consultation
- Cardiac disease cover
- Different sections available under this plan
- Sum insured available as per the individual member covered
- Coverage for procedures under cardiac medical management.
- Coverage for pre-existing cardiac ailments after a waiting period
Benefits of Star Cardiac Care Insurance Policy
The policy comes with several benefits.
Inpatient: The policy covers inpatient treatment, including expenses incurred for the treatment of sickness, accidental injuries, disease, etc.
Cardiac disease treatment: Under sections 2, this policy covers expenses incurred in treatment related to cardiac diseases after a waiting period of 90 days.
Outpatient Expenses: Outpatient expenses are covered. The limit of benefit is Rs. 500 subject to a maximum of Rs. 1500.
Pre-Hospitalization: Expenses incurred in the treatment immediate 30 days prior to the hospitalization.
Post-hospitalisation: Costs incurred up to 7% of the hospitalization expenses., It can be to a maximum of Rs.5,000 every time you will be hospitalised.
Pre-Existing Diseases: Coverage for pre-existing Illness after 48 months of continuous coverage.
Any individual between 10 to 65 years, having undergone for the first time PTCA or CABG 4 years before can buy this policy.
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Conclusion
With so many health insurance policies in the market, choosing the right one seems to be a challenge. It is advisable to contact InsuranceDekho and search the market for unbiased advice and invest your money in the right health insurance product.
For more information about health insurance for lifestyle diseases, get in touch with insurancedekho.com. We’re always standing by you to help you make an informed decision in choosing a policy.
