Health Insurance for High Cholesterol

Health insurance for High Cholesterol provides comprehensive coverage against hospitalization and OPD expenses resulting from high cholesterol. While some health insurance plans cover pre-existing high cholesterol from day 1, others cover it after a waiting period. Moreover, several medical plans come with chronic disease management programs to help patients effectively manage their cholesterol levels.

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      What is High Cholesterol?

      High Cholesterol is a medical condition in which the fat or lipid levels in the blood are high. Our body needs the right amount of cholesterol to build healthy cells. But if the cholesterol levels are high in the body, it can start accumulating in the blood vessels, in turn, blocking them. High cholesterol, also known as hyperlipidemia or hypercholesterolemia, often leads to high blood pressure, heart disease, stroke and other critical diseases.

      For most people, high cholesterol is a result of poor lifestyle habits, such as eating excess fatty food, smoking, drinking alcohol, not exercising enough and being overweight. However, high cholesterol can also be genetic and caused by stress. 

      Moreover, high cholesterol has no symptoms and can only be detected through a blood test.

      Benefits of Buying Health Insurance for High Cholesterol

      Take a look at the key benefits of buying health insurance for high cholesterol:

      1. Rising Cases of High Cholesterol in India

        High cholesterol is extremely common in India, especially among the urban population. As per a survey by Healthians, 6 out of 10 people in India have abnormal levels of bad cholesterol, which is responsible for the blockage of blood vessels. Moreover, high cholesterol is most prevalent among young Indians between the ages of 31 and 40 years. As hyperlipidemia often leads to heart problems, it is essential for people to stay prepared for the financial implications of treating a heart disease. Buying a health insurance policy is the best way to tackle any medical expenditures resulting from high cholesterol without exhausting their lifelong savings.

      2. Costly Medical Treatments

        High cholesterol is responsible for several health diseases, including coronary artery diseases, high blood pressure, stroke, etc. The treatment for these diseases is extremely expensive and continues for a long time. As a result, high cholesterol patients can end up losing their life savings if they are diagnosed with such lifestyle and critical diseases. The only way to afford the best treatment without losing their finances is by buying a mediclaim insurance policy, as the insurance company pays for the treatment expenses.

      Best Health Insurance for High Cholesterol

      Check out the best health insurance plans for high cholesterol:

      Health Insurance Plans for High Cholesterol Sum Insured
      (₹)
      Entry Age PED Coverage for High Cholesterol
      Aditya Birla Activ One Plan 2 lakh to 2 crore 91 days onwards From day 1
      Bajaj Allianz Health Care Supreme Plan 5 lakh to 50 lakh 90 days onwards After 2 years
      Care Supreme Plan with Instant Cover 5 lakh to 6 crore 90 days onwards After 30 days
      Cholamandalam Flexi Health Retail Plan 50,000 to 25 lakh 90 days to 65 years After 3 years
      Digit Health Insurance Plan 2 lakh to 3 crore 91 days onwards After 1 year, 3 years
      Future Generali Health Absolute Plan 3 lakh to 1 crore 1 day onwards After 2 years
      HDFC ERGO Optima Secure Plan 5 lakh to 2 crore 91 days onwards After 3 years
      ICICI Lombard Elevate Plan with JumpStart Cover 5 lakh onwards 91 days onwards After 30 days
      IFFCO Tokio Individual Health Protector Plan 50,000 to 20 lakh 91 days onwards After 3 years
      Kotak Mahindra Health Premier Plan 2 lakh to 2 crore 91 days onwards After 2 years, 3 years, 4 years
      Liberty Health Connect Plan 2 lakh to 40 lakh 91 days to 65 years After 2 years, 3 years, 4 years
      Magma HDI OneHealth Insurance Plan 2 lakh to 3 crore 91 days onwards After 2 years, 3 years, 4 years
      ManipalCigna ProHealth Prime Insurance Plan  3 lakh to 1 crore 91 days onwards After 2 years, 3 years 
      National Mediclaim Plus Plan 2 lakh to 50 lakh 90 days to 65 years After 3 years
      New India Assurance Premier Mediclaim Plan 15 lakh to 1 crore 90 days to 65 years After 3 years
      Niva Bupa Aspire Plan 5 lakh to 3 crore 91 days to 65 years After 2 years
      Oriental Happy Family Floater Plan 1 lakh to 50 lakh 91 days to 65 years After 4 years
      Raheja Health QuBE Plan 1 lakh to 50 lakh 90 days to 65 years After 4 years
      Reliance Health Infinity Insurance Plan 3 lakh to 5 crore 91 days to 65 years After 3 years
      Royal Sundaram Multiplier Health Insurance Plan with ABCD Benefit 5 lakh to 25 lakh 91 days to 65 years After 30 days
      SBI Super Health Insurance Plan 3 lakh to 2 crore 91 days onwards After 2 years
      Star Health Premier Insurance Plan 10 lakh to 1 crore 91 days onwards After 2 years
      Tata AIG Health SuperCharge Plan with Advanced Cover 5 lakh to 20 lakh 91 days to 65 years After 30 days
      United Family Medicare Plan 3 lakh to 25 lakh 91 days to 65 years After 4 years
      Universal Sompo Supreme Healthcare Plan with Instant Cover 5 lakh to 6 crore 90 days onwards From day 1
      Zuno Health Insurance Plan 1 lakh to 1 crore 91 days onwards After 2 years, 3 years, 4 years
      See More Plans

      Inclusions of Health Insurance for High Cholesterol

      Health insurance for high cholesterol includes the following coverage:

      • In-patient hospitalization
      • OPD treatment
      • Road ambulance charges
      • Day care treatments
      • Modern treatments
      • Non-medical expenses
      • Chronic disease management programs
      • Health check-ups

      Note: The coverage may vary from one health insurance for high cholesterol plan to another.

      Exclusions of Health Insurance for High Cholesterol

      The following coverage are excluded by health insurance for high cholesterol:

      • Non-allopathic treatment
      • Obesity and weight control procedures
      • Treatment for alcohol or substance addiction
      • Unproven treatments
      • Treatments availed outside of India
      • Artificial life maintenance

      Tips to Lower Blood Cholesterol Levels

      Here are some essential tips to reduce the cholesterol levels in the blood:

      • Reduce the consumption of fast food that contains high amounts of saturated fats and trans fats
      • Eat less fried and processed food
      • Consume a balanced diet rich in whole grains, fruits and vegetables
      • Exercise regularly to lower fat levels in your body
      • Avoid consuming food with high sodium content
      • Stop smoking and consuming tobacco products
      • Lower the consumption of alcohol to keep your cholesterol levels under control
      • Practice meditation and yoga to manage your stress levels

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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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      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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