Health Insurance for Genetic Disorders

Health Insurance for Genetic Disorders covers the treatment of genetic disorders, such as Down syndrome, muscular dystrophy, sickle cell disease, thalassemia, etc. It pays for the cost of hospitalization and OPD expenses incurred during the treatment of genetic disorders. While most insurers only cover internal genetic disorders, a few also offer coverage for external genetic disorders.

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      What are Genetic Disorders?

      Genetic disorders are medical conditions caused by abnormalities in regular DNA sequencing. They occur when a mutation (or harmful change) affects the genes of a person or if someone has the wrong amount of gene material. Genetic disorders can occur due to a mutation in single or multiple genes, damage to chromosomes, or a combination of gene mutation and environmental factors.

      Some genetic disorders are caused by gene mutations inherited from parents and are present at birth. Such disorders can also be referred to as congenital diseases. On the other hand, people also acquire gene mutations during their lives, leading to genetic disorders. However, not all congenital diseases are genetic.

      List of Common Genetic Disorders

      Genetic disorders can either be monogenic, chromosomal or multifactorial disorders. Check out some of the most common genetic disorders as per their types:

      Monogenic Disorders Chromosomal Disorders Multifactorial Disorders
      Sickle cell disease
      Muscular dystrophy
      Cystic fibrosis
      Tay-Sachs disease
      Congenital deafness
      Neurofibromatosis type 1 (NF1)
      Hemochromatosis
      Familial hypercholesterolemia
      Down syndrome
      Beta Thalassemia
      Turner syndrome Trisomy 13
      FragileX syndrome
      Trisomy 18
      Triple-X syndrome
      Klinefelter syndrome
      Late-onset Alzheimer’s disease
      Isolated congenital heart defects
      Autism spectrum disorder
      Spina bifida
      Diabetes
      Arthritis
      Cancer
      Coronary artery disease
      Migraine headaches

      Benefits of Buying Health Insurance for Genetic Disorders in India

      Here are the key benefits of buying health insurance for genetic disorders in India:

      1. High Incidence of Genetic Disorders in India

        Genetic disorders have a very high prevalence in India. As per the Foundation of Research on Rare Diseases and Disorders, more than 7 crore people in India are affected by rare genetic disorders. Besides, chain smokers and people with excessive UV exposure, chemical exposure and radiation exposure can lead to a genetic disorder in their child. Given its high incidence, it is only prudent to buy a mediclaim insurance policy that safeguards against any potential medical expenditures resulting from a genetic disorder.

      2. Comprehensive Coverage for Genetic Disorders

        Treating a genetic disorder comes at a high cost. The patient needs to undergo several medical tests and get tailor-made medicines that can be expensive. Not to forget, regular visits to the doctor can easily add up to the overall costs. Moreover, if the doctor recommends surgery, the hospitalization and surgery expenses can quickly deplete their family’s savings. But with health insurance plans, people do not have to worry about paying these medical bills as they will be covered by their insurance company.

      List of Health Insurance for Genetic Disorders in India

      Take a look at the list of health insurance plans for genetic disorders in India:

      Health Insurance Plans for Genetic Disorders Sum Insured
      (₹)
      Entry Age Waiting Period
      Aditya Birla Activ Health Plan 2 lakh to 2 crore Adult: 18 years onwards (Up to 65 years under the Platinum Premier variant)
      Child: 91 days to 25 years
      30 days
      Bajaj Allianz My Health Care Plan 3 lakh to 5 crore Adult: 18 to 65 years
      Child: 3 months to 30 years
      2 years
      Care Advantage Plan 25 lakh to 6 crore Adult: 18 to 65 years
      Child: 91 days to 24 years
      2 years
      Cholamandalam Flexi Health Supreme Plan 50,000 to 5 crore Adult: 18 to 75 years
      Child: 3 months to 26 years
      2 years
      Digit Health Insurance Plan 2 lakh to 3 crore Adult: 18 years onwards
      Child: 91 days onwards
      1 year, 2 years
      Future Generali Health Vital Plan 5 lakh to 15 lakh Adult: 18 to 60 years
      Child: 1 day to 25 years
      30 days
      HDFC ERGO Optima Secure3 Plan 5 lakh to 2 crore Adult: 18 years onwards
      Child: 91 days to 25 years
      30 days
      ICICI Lombard Elevate Plan 5 lakh onwards Adult: 18 years onwards
      Child: 91 days to 30 years
      30 days
      IFFCO Tokio Family Health Protector Plan 1.5 lakh to 30 lakh Adult: 18 to 65 years
      Child: 1 day onwards
      30 days
      Liberty Health Connect Plan 2 lakh to 40 lakh Adult: 18 to 65 years
      Child: 91 days to 25 years
      1 year
      Magma HDI OneHealth Insurance Plan 2 lakh to 3 crore Adult: 18 years onwards
      Child: 91 days to 26 years
      2 years
      ManipalCigna ProHealth Insurance Plan 2.5 lakh to 1 crore Adult: 18 years onwards
      Child: 91 days to 23 years
      2 years
      National Parivar Mediclaim Plus Plan 6 lakh to 50 lakh Adult: 18 to 65 years
      Child: 91 days to 25 years
      2 years
      New India Assurance Floater Mediclaim Plan 2 lakh to 15 lakh Adult: 18 to 65 years
      Child: 3 months to 25 years
      3 years
      Niva Bupa Health Recharge Plan 2 lakh to 95 lakh Adult: 18 to 65 years
      Child: 91 days to 25 years
      years
      Oriental Happy Family Floater Plan 1 lakh to 50 lakh Adult: 18 to 65 years
      Child: 1 day to 25 years
      30 days
      Raheja QBE Health QuBE Insurance Plan 1 lakh to 50 lakh Adult: 18 to 65 years
      Child: 91 days to 25 years
      30 days
      Reliance Health Infinity Plan 3 lakh to 5 crore Adult: 18 to 65 years
      Child: 91 days to 30 years
      2 years
      Royal Sundaram NeXT Gen Health Insurance Plan 5 lakh to 1.5 crore Adult: 18 to 75 years
      Child: 91 days to 25 years
      30 days
      SBI Arogya Supreme Plan 1 lakh to 5 crore Adult: 18 to 65 years
      Child: 91 days to 25 years
      2 years
      Star Comprehensive Insurance Plan 5 lakh to 1 crore Adult: 18 years onwards
      Child: 3 months to 25 years
      2 years
      Tata AIG MediCare Premier Plan 5 lakh to 3 crore Adult: 18 to 65 years
      Child: 91 days to 25 years
      2 years
      United India Family Medicare Plan 3 lakh to 25 lakh Adult: 18 to 65 years
      Child: 91 days to 26 years
      2 years
      Universal Sompo Complete Healthcare Insurance Plan 1 lakh to 50 lakh Adult: 18 to 75 years
      Child: 91 days to 25 years
      2 years, 3 years
      Zuno Health Insurance Plan 1 lakh to 1 crore Adult: 18 to 65 years (No age limit under the Platinum variant)
      Child: 90 days to 26 years
      30 days
      Zurich Kotak Health Premier Plan 2 lakh to 2 crore Adult: 18 years onwards
      Child: 91 days to 25 years
      30 days
      See more plans

      Inclusions of Health Insurance for Genetic Disorders

      Health insurance for genetic disorders includes the following coverage:

      • In-patient treatment
      • Pre-hospitalization expenses
      • Ambulance charges
      • Post-hospitalization expenses
      • OPD treatment
      • Day care procedures
      • Modern treatments
      • Non-medical expenses
      • Diagnostic tests cover
      • Pharmacy cover
      • Convalescence benefit
      • Home care treatment
      • Preventive health check-ups

      Note: The coverage may vary from one health insurance plan for genetic disorders to another.

      Exclusions of Health Insurance for Genetic Disorders

      The following expenses are excluded under health insurance for genetic disorders:

      • Unproven treatments
      • Cosmetic or plastic surgery
      • Dietary supplements and substances
      • External aids and devices
      • Treatment taken outside of India

      Tips to Lower the Risk of Genetic Disorders

      Check out a few essential tips to reduce the risk of genetic disorders:

      • Follow a healthy diet rich in fresh fruits, leafy vegetables and lean protein
      • Avoid excessive smoking or consumption of tobacco-based products
      • Use umbrellas and sunscreens to protect against harmful UV rays
      • Undergo genetic testing to know the genes better
      • Exercise regularly to keep the body active
      • Avoid excessive consumption of alcohol
      • Meditate daily to manage the stress levels
      • Avoid consumption of medicines that can lead to disorders

      FAQs

      • Q1. Are genetic disorders covered in insurance?

        Ans: Yes. Health insurance companies in India cover the treatment cost of genetic disorders. However, some insurers may only provide coverage for internal genetic disorders. Thus, you must check the policy terms and conditions before buying.

      • Q2. Are all genetic disorders covered by health insurance?

        Ans: No. Most health insurance plans cover internal genetic disorders only. Very few plans offer coverage for both internal and external congenital disorders. Hence, checking the policy document to know the exact coverage is advisable.

      • Q3. Does insurance cover genetic testing for heart diseases?

        Ans: Yes. Most insurers cover the cost of genetic testing for heart diseases. However, it is best to check the exact coverage by contacting your insurance provider.

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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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