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.
Check out these health insurance plans that would cover even if you or a family member has a pre-existing illness:
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.
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 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.
With incurred claim ratio of 103.19%, the insurance company provides one of the best senior citizen health plans with a minimum waiting period.
With incurred claim ratio of 107.06%, the insurance company provides a number of health insurance plans to choose from.
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.
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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