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*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*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

Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

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

      Popular Cities

      Previous step
      Previous step

      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

      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.


      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



      Coverage for medical costs incurred 15 days before 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.

      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
      Does ICICI Lombard Health Insurance Cover Cataract Surgery?

      21 Jun 2024

      Cataract surgery is an essential procedure for people seeking to
      Read more
      Father’s Day 2024: Gift Your Father Health Insurance This Year

      14 Jun 2024

      Father’s Day is celebrated every year on the third Sunday of
      Read more
      Does SBI Health Insurance Cover Dental Treatments?

      05 Jun 2024

      SBI General Insurance Company provides comprehensive coverage
      Read more
      Does ICICI Lombard Health Insurance Cover Dental Treatments?

      05 Jun 2024

      ICICI Lombard General Insurance Company offers various health
      Read more
      Does Reliance Health Insurance Cover Dental Treatments?

      04 Jun 2024

      Dental insurance is crucial in safeguarding oral health as it pays
      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
      10 New IRDAI Health Insurance Guidelines in 2024
      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      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
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.