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.

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    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.

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

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