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What are the Best Medical Insurance Plans for Pre-existing Diseases?

To cover up for the exorbitant medical expenses, people buy a health insurance plan. However, not all of them know that pre-existing diseases are not covered immediately after purchasing the policy. There is a waiting period of two years to 4 years that varies from one insurance company to another.

So, if you are wondering what are the medical insurance plans that cover pre-existing diseases then here are some of the best health insurance plans that cover pre-existing diseases. But before that it is suggested that you check the Incurred claim ratio of the company, waiting period clause, the list of network hospitals, co-payment clauses, discounts offered, types of plans that are offered, and exclusions among other features.

Some of the Best Health Insurance Plans That You Can Pick

Check out these health insurance plans that would cover even if you or a family member has a pre-existing illness:

HDFC Ergo Health Insurance

The insurer has been accredited with iAAA rating from the ICRA. The incurred claim ratio is 76.90 percent, which is considered to be in the ideal range. You can choose from a number of medical insurance plans and avail cashless treatment in more than 4800 hospitals across the country.

Checkout HDFC Health Suraksha Gold Plan

  • The entry age to buy this plan is 91 days
  • The waiting period is 48 months for pre-existing diseases
  • Pre-medical screening is required only after the age of 45 years
  • The sum assured ranges from Rs. 3 to 10 lakhs and comes with lifetime renewability option
  • You can buy this plan for yourself and also for your family members on floater basis

Royal Sundaram Health Insurance

The Incurred claim ratio is 61.41 percent. And the insurer has tie-up with more than 5000 network hospitals. There are two plan options- Lifeline health plan and a family plus plan

  • The waiting period is only 3 years
  • There is 100% restoration of the sum insured
  • The policy offers both coverage to individuals and family members both
  • Coverage can be extended to 19 different members under a single plan
  • Maternity cover is also provided
  • Ayush treatment expenses are also covered

Bharti-AXA Health Insurance

The Incurred claim ratio of Bharti AXA is 86.84 percent. And the company offers cashless treatment in more than 4300 hospitals across India.

Bharti Axa smart super health insurance policy covers pre-existing diseases after 48 months. It comes in 3 variants i.e. Value, Classic and Uber Plan. 

  • Sum assured option for value plan are Rs 5 lakhs and 7 lakhs
  • Sum assured options for Super Uber Plan are Rs. 10 lakhs, 15 lakhs, and 20 lakhs
  • Sum assured options for Smart Super Uber Plan are Rs. 20 lakhs, to Rs. 100 lakhs
  • Waiting period for maternity expenses is only 9 months
  • The plan also offers critical illnesses cover after 60 days of the waiting period and a survival period of 30 days
  • Even genetic disorders are covered after 48 months under this plan

New India Assurance Senior Citizen Mediclaim Policy

With incurred claim ratio of 103.19%, the insurance company provides one of the best senior citizen health plans with a minimum waiting period.

  • Pre-existing illnesses including diabetes are covered after 18 months
  • The sum insured option ranges from Rs. 1 lakh to Rs. 1.5 lakhs
  • The policy is available for senior citizens as old as 60 years to 80 years
  • Coverage is provided up to 90 years of age
  • Moreover, there is 10% of family discount if the spouse is also covered under the same plan

United India Health Insurance

With incurred claim ratio of 107.06%, the insurance company provides a number of health insurance plans to choose from.

Check out United India Super Top-up Policy

  • You can get your family members covered on an individual basis with a different sum insured for each person. Or you can get all them covered in a group policy under a single sum insured.
  • Adults should be 18-80 years and can include their dependent children between the age group of 3 months to 18 years.
  • Avail cashless hospitalization including room rent, medicines, and treatment costs in more than 7000 hospitals across Pan India, apart from other benefits.

You can pick any of the above-mentioned health insurance plans to as per your preferences. However, there are various other health insurance plans that you can check and compare on our site.

Final Word

We all know the importance of health insurance, but choosing the best one among so many options of insurance plans that are available online can be a daunting task. But if you hold some knowledge and make a proper comparison based on the above-mentioned facts, you will be able to choose the right medical insurance plan that covers pre-existing diseases.

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