Why One Should Opt for a Single Disease Cover?

Mr.Gupta bought a health insurance plan with a cover of Rs.1Lakh. He ensured that he has a critical illness rider along with this. A few months later he contracted dengue and was hospitalized. He incurred expenses of about Rs.60, 000. The insurer only covered Rs.40, 000 of this amount, which were in-patient treatment. The remaining outpatient charges of Rs.25, 000 has to be borne by him from his pocket.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Though the critical illness rider does cover 10-15 different diseases, in the above situation, a single-disease policy may have worked in his favor.

      What is a Single-Disease Cover Plan?

      A single-disease cover plan offers comprehensive coverage for a specific disease and serves as an add-on cover for regular health insurance policies. Single disease cover plans are uncomplicated products, where the customer has to pay a single premium without any complex underwriting. These plans do not require any tests. All one needs to do is fill up a form and a self-declaration of not having any pre-existing diseases.

      Currently, there are plans that cover for specific diseases such as dengue, cancer.

       

      Dengue Care Health Insurance Plan

      Apollo Munich’s Dengue Care health insurance plan is one such single-cover plan that exclusively covers you for both inpatient and outpatient treatment.Under this plan, you can add a maximum of 6 members in a single policy. It is the only plan in India that covers an infectious disease.

      Salient Features and Benefits of the Plan Include:

      • Comprehensive in-patient hospitalization cover with no sub limits/co-payment
      • Rs. 50,000 cover for treatment at a premium of Rs 1.2 per day.
      • Coverage even for non-medical expenses incurred during hospitalization in case of shared accommodation.
      • An option to upgrade the cover to Rs 1 lakh for Rs. 659 annually
      • Cover for OPD expenses up to Rs. 10,000 if diagnosed with dengue. The plan provides coverage for consultations, diagnostic tests, pharmacy, and home nursing for dengue treatment taken at home.

      Benefits

      Sum insured – Rs. 50, 000 or Rs. 1 Lakh

      In-patient Treatment

      Coverage of up to sum insured for hospitalization of more than 24 hours.

      Room Rent

      Single private A/c room

      Shared accommodation Benefit

      Covered

      Pre-hospitalization

      Coverage for medical costs incurred 15 days before hospitalization.

      Post-hospitalization

      Coverage for medical costs incurred 15 days after hospitalization

      Outpatient Treatment – Pharmacy, Diagnostic tests, Outpatient Consultation and Home nursing

      Coverage of up to Rs. 10,000


      Cancer Care Plus Health Insurance Plan

      ICICI Prudential’s Cancer Care Plus is another single disease cover plan that provides you comprehensive coverage against cancer. The policy will cover all costs associated with diagnosis and treatment of cancer, including hospitalization, radiation, chemotherapy and surgery, among others. Under this plan, you can avail free diagnosis tests once in 2 years, starting from the second year of the policy.

      Salient Features and Benefits of the Plan Include:

      • Free cancer screening through medical tests during the policy term
      • Cover up to Rs. 10 Lakh against cancer, for a premium of Rs. 300 per month
      • In case advanced cancer is detected, future premiums will be waived off
      • Cash payouts at various stages for diagnosis, treatment and surgery

      Sum Assured

      Rs. 5 lakhs to Rs. 25 lakhs

      Entry Age

      20 years to 60 years

      Policy Term

      10 years to 50 years

      Minimum Single Premium

      Rs. 1,200 per annum

      Tax Benefit

      Tax benefit under Section 80 (D) for premiums paid

      Before selecting a suitable health insurance plan, it is important to keep in mind that there is no one size that fits all. So if your friend or colleague has selected a plan, it does not become an automatic choice for you. Whether you opt for a single-disease cover or critical illness cover, compare health insurance quotes from different providers to ensure you find the most competitive deal possible.

      Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What to Look for in a Health Insurance for Cancer Plan?

      20 Dec 2022

      Cancer is one of the biggest demons that the world faces today
      Read more
      What are the Factors Affecting Health Insurance Premium?

      20 Dec 2022

      Demand for insurance products in India, especially health
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL