Health Insurance for Multiple Sclerosis

Health Insurance for Multiple Sclerosis provides medical coverage for the hospitalization and treatment costs of multiple sclerosis. It pays a lump sum amount on the first diagnosis of the disease as most insurers cover multiple sclerosis under critical illness insurance plans. However, multiple sclerosis insurance coverage are activated after a waiting period of up to 90 days.

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~
People trust Policybazaar^
7.7 crore
Registered consumers
50
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
0%
Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step

      What is Multiple Sclerosis?

      Multiple sclerosis (MS) is an autoimmune condition in which the immune system of the body attacks the protective layer covering the nerves (or myelin) in the central nervous system. This causes permanent damage or deterioration of the nerve fibres, leading to communication problems between the brain and the spinal cord. Multiple sclerosis can result in memory issues, muscle weakness, vision problems and numbness in the body.

      Multiple sclerosis is growing gradually in India, with around 1.5 lakh people suffering from it. The disease is commonly diagnosed among people between the ages of 20 and 40 years, with women 2 to 3 times more at risk than men. Although multiple sclerosis cannot be cured, its progression can be slowed down with timely treatment.

      Symptoms of Multiple Sclerosis

      Take a look at the most common symptoms of multiple sclerosis:

      • Blurry vision
      • Weakness or numbness in limbs, especially on one side of the body
      • Lack of coordination
      • Memory problems
      • Partial or complete loss of vision
      • Inability to walk
      • Prolonged double vision
      • Fatigue
      • Difficulty in breathing and swallowing
      • Tingling
      • Vertigo
      • Sensations of electric shock that occur with specific neck movements

      Who Should Buy Health Insurance for Multiple Sclerosis?

      Health insurance for multiple sclerosis should be purchased by:

      • People between the ages of 20 and 40 years
      • Women
      • People with a family history of multiple sclerosis
      • People with a low vitamin D level
      • People with childhood obesity
      • People with other autoimmune diseases, like thyroid disease, type 1 diabetes, etc.
      • Smokers
      • People living in a temperate climate
      • People with exposure to viral infections, such as mononucleosis

      Benefits of Buying Health Insurance for Multiple Sclerosis in India

      Check out some of the key benefits of buying health insurance for multiple sclerosis in India:

      1. Rising Cases of Multiple Sclerosis

        Multiple sclerosis is slowly growing across India. As per the latest reports, around 1.5 lakh people in India have multiple sclerosis. Moreover, the disease is 2 to 3 times more common in women than men. Since type 1 diabetes, obesity, and smoking are highly prevalent in India, the chances of multiple sclerosis cases rising in future are highly likely. To stay prepared for any medical exigencies resulting from multiple sclerosis, buying health insurance plans is a must.

      2. Coverage for Expensive Treatments

        Curing multiple sclerosis is not possible, but its progression can be slowed down with proper treatment. However, these treatments come at a high cost that not everybody can afford. Besides, the treatment is long-term and, thus, can exhaust the patient and their family's savings in no time. Having a critical illness insurance policy will pay a lump sum amount to the patient, ensuring enough funds to take care of all their medical expenses without depleting their savings.

      List of Health Insurance for Multiple Sclerosis in India

      Check out the list of health insurance for multiple sclerosis in India:

      Health Insurance Plans for Multiple Sclerosis Entry Age Sum Insured
      (₹)
      Waiting Period Survival Period
      Aditya Birla Activ Secure – Critical Illness Plan 5 to 65 years 1 lakh to 1 crore 90 days, 180 days 15 days
      Bajaj Allianz Criti Care Plan 90 days to 65 years 1 to 50 lakh 120 days, 180 days 7 days, 15 days
      Care Assure Plan 18 to 65 years 1 lakh to 3 crore 90 days -
      Cholamandalam Critical Healthline Insurance Plan 5 to 65 years 1 to 10 lakh 90 days 30 days
      Digit Total Protect Plan 91 days to 85 years 5,000 to 3.5 crore 30 days, 60 days, 90 days 30 days
      Future Generali Criticare Plan 6 to 65 years 1 to 50 lakh 90 days 28 days
      HDFC ERGO Critical Illness Insurance Plan 5 to 65 years 1 to 50 lakh 90 days 15 days, 30 days
      ICICI Lombard Criti Shield Plus Plan 91 days to 65 years 1 lakh to 1 crore 90 days No survival period
      IFFCO Tokio Critical Illness Benefit Plan 3 to 65 years 1 lakh to 1 crore 30 days 28 days
      Liberty Critical Connect Plan 5 to 65 years 1 lakh to 1 crore 90 days 30 days
      Magma HDI OneHealth Insurance Plan 91 days onwards 2 lakh to 3 crore 90 days 30 days
      ManipalCigna Lifestyle Protection – Critical Care Plan 18 to 65 years 1 lakh to 25 crore 90 days 30 days
      National Critical Illness Plan 5 to 65 years 1 to 75 lakh 90 days 30 days
      New India Assurance Criti Protect Plan 18 to 65 years 5 to 50 lakh 90 days No survival period
      Niva Bupa Health Assurance Plan 18 to 65 years 3 lakh to 3 crore 90 days 30 days
      Oriental Critical Illness Plan 18 to 65 years 2 to 50 lakh 90 days 30 days
      Raheja QBE Health QuBE Insurance Plan 90 days to 65 years 1 to 50 lakh 30 days -
      Reliance Critical Illness Plan 18 to 65 years 5 lakh, 7 lakh, 10 lakh 90 days 60 days
      Royal Sundaram Critical Illness Lumpsum Plan 91 days to 65 years 25,000 to 25 lakh 90 days 30 days
      SBI Critical Illness Insurance Plan 18 to 65 years 2 to 50 lakh 90 days 28 days
      Star Critical Illness Multipay Insurance Plan 18 to 65 years 5 to 25 lakh 90 days 15 days
      Tata AIG Criti MediCare Plan 18 to 65 years 5 lakh to 2 crore 90 days 7 days, 15 days
      United India UNI CritiCare Plan 21 to 65 years 1 to 10 lakh 90 days 30 days
      Universal Sompo Critical Illness Insurance Plan 5 to 65 years 2.5 to 20 lakh 90 days 30 days
      Zuno HealthPlus Plan 91 days onwards 1 lakh to 5 crore 90 days -
      Zurich Kotak Secure Shield Plan 18 to 65 years 10,000 to 65 years 90 days -

      Inclusions of Health Insurance for Multiple Sclerosis

      The following coverage are included under health insurance for multiple sclerosis:

      • In-patient hospitalization expenses
      • Diagnostic investigations, such as MRIs, CSFs, etc.
      • Ambulance charges
      • Second medical opinion
      • Child education
      • Pre-hospitalization expenses
      • Post-hospitalization expenses
      • Non-medical expenses
      • Hospital cash allowance
      • Health benefits

      Note: The coverage may vary from one multiple sclerosis health insurance plan to another.

      Exclusions of Health Insurance for Multiple Sclerosis

      Health insurance for multiple sclerosis excludes the following coverage:

      • Neurological damage due to SLE and HIV
      • Treatment for alcohol or drug addiction
      • Treatments taken outside of India
      • Respite care, rehabilitation and rest cure
      • Unproven treatments
      • Investigative and evaluative treatments

      Tips to Lower the Risk of Multiple Sclerosis

      Here are some of the essential tips to reduce the risk of multiple sclerosis:

      • Eat nutritious meals rich in fruits, vegetables, lean proteins and whole grains
      • Sleep for at least 7-8 hours to repair and rejuvenate the body
      • Exercise regularly to stay healthy and fit
      • Avoid smoking and reduce the consumption of tobacco products
      • Reduce consumption of sweets to keep the sugar levels in check
      • Get enough sun exposure early in the day to improve vitamin D levels
      • Consume a diet low in saturated fat and avoid a lot of fried and junk food
      • Practice yoga and meditation to manage the stress levels
      • Moderately consume coffee and red wines to prevent the disease

      FAQs

      book-home-visit
      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

      Health insurance Articles

      • Recent Article
      • Popular Articles
      03 Dec 2024

      Health Insurance Checklist

      Health insurance is a crucial investment you can make to secure

      Read more
      26 Sep 2024

      Can You Get Maternity Insurance If Already...

      Pregnancy is one of the most beautiful phases of a woman’s life

      Read more
      12 Aug 2024

      Moratorium Period in Health Insurance

      Getting a health insurance claim accepted for pre-existing

      Read more
      30 Jul 2024

      Is Dengue Covered by SBI Health Insurance?

      Dengue, a common vector-borne disease, causes high fever, severe

      Read more
      30 Jul 2024

      Is Dengue Covered by Reliance Health Insurance?

      Dengue fever can negatively impact you physically and financially

      Read more

      PMJAY: 10 Major Benefits of Ayushman Bharat Yojana

      Ayushman Bharat Yojana, or Pradhan Mantri Jan Arogya Yojana (PMJAY), was launched by Prime Minister Shri Narendra

      Read more

      Zero Waiting Period in Health Insurance Plans

      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A

      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

      Does Health Insurance Provide Coverage for LASIK...

      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is

      Read more

      Waiting Period in Health Insurance

      The waiting period in medical insurance refers to the duration before which certain illnesses or diseases will not

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹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.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL