Health insurance provides financial support and peace of mind in the face of medical uncertainties. Understanding the diseases covered by health insurance is crucial for individuals seeking comprehensive protection for their well-being. While the coverage offered by every plan may be different, one must carefully analyse the inclusions and exclusions, to ensure that coverage for any specifically required disease is covered under the plan.
This article explores the core diseases covered by health insurance, including pre-existing conditions and critical illnesses. Also, how you can compare and buy a health insurance policy at the Bajaj Finance Insurance Mall, ensuring that the plan covers the specifications that you are looking for in an insurance policy.
List of common diseases covered in health insurance
Here is the list of common diseases covered under health insurance plans.
- Respiratory infections:
Health insurance typically covers treatments for respiratory infections, ranging from common colds to more severe respiratory conditions such as pneumonia and bronchitis. - Cardiovascular diseases:
Heart-related conditions, including coronary artery disease, heart attacks, and congestive heart failure, are commonly covered by health insurance plans. - Gastrointestinal disorders:
Health insurance provides coverage for gastrointestinal disorders such as gastritis, acid reflux, and other digestive system-related issues. - Infectious diseases:
Coverage extends to various infectious diseases, including viral infections, bacterial infections, and other communicable diseases.
Orthopaedic conditions: Health insurance covers a wide array of orthopaedic conditions, from minor injuries to major surgeries, ensuring individuals have access to necessary treatments for bone and joint issues.
List of pre-existing diseases covered in health insurance
Over time, health insurance companies have adapted and begun addressing contemporary needs. In alignment with this trend, these companies now extend coverage to a variety of pre-existing conditions.
Here is the list of pre-existing diseases covered by health insurance:
- Diabetes: Many health insurance plans cover diabetes, a prevalent chronic condition requiring ongoing medical attention, medication, and lifestyle management.
- Hypertension: High blood pressure, or hypertension, is often considered a pre-existing condition and is covered by health insurance for necessary treatments and medications.
- Asthma: Asthma, a chronic respiratory condition, is typically covered, ensuring individuals have access to medications, inhalers, and other necessary treatments.
- Arthritis: Various forms of arthritis, including rheumatoid arthritis and osteoarthritis, are covered by health insurance for treatments such as medication, physiotherapy, and surgeries if required.
- Thyroid disorders: Both hypo- and hyperthyroidism fall under pre-existing conditions covered by health insurance, ensuring individuals receive necessary thyroid-related treatments.
