Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹315/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹315/month*
Get ₹5 Lac Health Insurance starts @ ₹315/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*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

Disease-specific or a Standard Health Insurance Policy?

Health insurance policies always have a scope for improvement and one such step towards upgradation is the idea of bringing disease specific health insurance policy for individuals suffering from hypertension and diabetes. HDFC ERGO Health Insurance (Formerly known as Apollo Munich) is the standalone health insurer that has recently come up with a health insurance policy exclusively targeting the individuals who have been suffering from diabetes and hypertension along with other such conditions.

 

Some further reforms brought by other insurers include – there will be no additional premiums for the diabetes and hypertension patient when purchasing a regular policy from New India Assurance. Whereas, Star Health has brought up plans which are designed specifically for people suffering from diabetes and HIV.

Such reforms have made people skeptical about which plan to choose from i.e. disease specific or regular insurance with constrains on pre-existing diseases. CEO of Apollo Munich Insurance, Antony Jacob said that these illness-specific plans are designed to benefit people who are unable to go for regular health cover and only this section of individuals are expected to display interest in the above.

Highlighting the difference, a regular health plan do offer coverage to pre-existing aliments once a predefined waiting period is completed which may vary from 2 to 4 years, whereas in these disease focused plans the waiting period is abolished and aliments are being treated from day one.

Every policy has its own advantages and disadvantages, similarly in focused plans you need to undergo restrictions like co-payment when filing a claim as well as sub-limits on room rent. Even the treatment expenses might be under some limit. Incase of Apollo Munich's plan the insurer needs to pay a higher premium or the co-pay clause.

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

Written By: PolicyBazaar - Updated: 06 June 2020
5,020,359 Confirmed Cases in India*
34,478,590 Confirmed Cases worldwide*
931,582 Confirmed deaths worldwide*
Search
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

You May Also Want to Know About

Top Maternity Insurance Plans

Top Maternity Insurance Plans

Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood. Though rearing a child is an expensive affair and may require good financial backup to meet the requirements of a growing baby. From ho...
Health Insurance for Parents

Health Insurance for Parents

Are you planning to buy health insurance for your parents? Well, the Indian Insurance market is currently flooded with healthcare plans specifically designed for senior citizens or elderly parents above 60 years. And many insurance providers also o...
Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance

Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance

There has always been a doubt in customers mind about whether the private company will keep its side of the bargain i.e. it will settle the claim or not. A customer spends premium annually which will cover his medical expenses but there’s always ...
Best Health Insurance Plans for Senior Citizens in 2020

Best Health Insurance Plans for Senior Citizens in 2020

Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy adequate health insurance for your loved ones. And if they are your elderly parents, then it is all the more imperative to get them medi...
Here’s the Difference between Health Insurance and Mediclaim

Here’s the Difference between Health Insurance and Mediclaim

Imagine you’re looking for a job change. You get an interview call for a job. What will be your plan of action? Will you get your resume ready and prepare for the interview or you will try to extract all the possible information about the job pro...
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL