Health insurance plans have a waiting period of two to four years during which they do not cover pre-existing diseases. A pre-existing disease (PED) refers to the medical conditions that a person is already suffering from, before the policy purchase. The exclusion of these pre-existing diseases is a matter of concern for people who are looking for a comprehensive health insurance cover from day one.
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Some plans are available only after a certain time
Earlier there were options to reduce the waiting period in some health plans, but the affordability factor has changed along with relaxed underwriting norms.
The good news is that now you can get pre-existing disease cover from day one. There are some health insurance plans offered by Star Health Insurance Company, Aditya Birla General Insurance Company, and HDFC Ergo Health Insurance Company. The name of the medical insurance plans are- Star Health Diabetes Safe Plan A, and Aditya Birla Activ Health Essential – Diabetes Aditya Birla Activ Health platinum Enhanced - Diabetes; and HDFC Ergo Health Energy Gold plan. Read more to know about the benefits offered under these health insurance plans:
This comprehensive Aditya Birla health insurance plan provides cashless treatment and reimbursement of hospitalization expenses for accidents and illnesses (including mental illnesses) at more than 8200 network hospitals.
Star health insurance plan for diabetes cover includes both Type 1 and Type 2 diabetes patients. This diabetes health insurance plan offers the sum insured on a floater basis as well.
For diabetic patients who are on insulin, it can be a difficult task to buy a health insurance policy. A lot of insurance companies hesitate from underwriting customers with chronic illnesses/diseases. However, with the above-mentioned health plans, there is still a chance to get health insurance coverage.
As these health insurance plans with Pre-existing disease cover are designed in a way that they benefit patients suffering from asthma, high cholesterol, high blood pressure, and diabetes.
After explaining the underwriting process, the company assesses the customer’s current situation with a short questionnaire in the application form and a few basic medical tests as required.
The underwriting procedure helps the health insurance companies in India to engage with their customers on the journey with a health coach expert. This way they can understand the medical status of their customer and can provide the most suitable health cover based on the customer's consent.
One of the major limitations in buying health insurance for people with pre-existing medical conditions is longer waiting periods. It is only the fear of contracting these diseases that compels someone to buy a health insurance cover.
And for this reason, health insurance policies should not have extra waiting periods of 4-years or so. Penetration in health insurance will be faster if the waiting period clauses are omitted or are kept at a bare minimum.
Therefore, Star Health Insurance offers a buyback rider to reduce the waiting period on regular health insurance plans. With PED buyback rider, you can also reduce your waiting period to 1-year from 3-4 years just by paying a nominal extra premium. However, it requires the policyholders/applicants to go through pre-medical screening.
So, if you have any pre-existing illness or anyone in the family has medical conditions like diabetes, hypertension, etc. then these are the health insurance plans that you need. If you are planning to secure your health with any of the above-mentioned mediclaim policies then you can speak to our experts or fill the form online and we will help you buy the right health insurance plan for yourself and your family. You can also pay the premium online, and choose and compare the plans as per our requirement.
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