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Health Insurance for Rheumatoid Arthritis
Health Insurance for Rheumatoid Arthritis covers the medical expenses incurred in the treatment of rheumatoid arthritis. It pays for OPD consultation charges along with hospitalization expenses resulting from rheumatoid arthritis. While some plans cover rheumatoid arthritis as a critical illness after a 90-day waiting period, others may cover it after a waiting period of up to 2 years.
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- Health Insurance for Rheumatoid Arthritis
What are Rheumatoid Arthritis?
Rheumatoid arthritis is a chronic autoimmune condition that causes pain, swelling, stiffness and irritation in the joints. It occurs when the body's immune system attacks its own tissue by mistake, affecting the lining of the joints. This causes joints to bend over time, leading to deformity. Rheumatoid arthritis can flare up anytime during which the symptoms are worse than usual.
Usually, rheumatoid arthritis affects the joints in the fingers, knees, ankles, wrists, toes, hands and feet. However, it can eventually damage other body parts, including the heart, lungs, eyes, skin, mouth and blood vessels. Moreover, the condition increases the risk of osteoporosis.
Rheumatoid arthritis is more common in women than in men. It starts to develop among people between the ages of 30 years and 60 years. While the condition may take years to develop in some people, it can develop rapidly in others.
Symptoms of Rheumatoid Arthritis
Check out the main symptoms of rheumatoid arthritis:
- Pain, swelling and tenderness in the joints for six weeks or more
- Stiffness and pain in the same joints on both sides of the body
- Joint stiffness, usually after sitting for long periods or in the morning
- Pain and stiffness in more than one joint, typically in smaller joints like fingers
- Fatigue
- Weakness
- Fever
- Loss of appetite
Who Should Buy Health Insurance for Rheumatoid Arthritis?
The following people should definitely buy a health insurance policy for rheumatoid arthritis:
- Women
- People between 30 years and 60 years
- People with a family history of rheumatoid arthritis or any other autoimmune disease
- Smokers
- People with periodontal gum disease
- Overweight or obese people
Benefits of Buying Health Insurance for Rheumatoid Arthritis in India
Take a look at the key benefits of buying health insurance for rheumatoid arthritis:
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Major Prevalence of Rheumatoid Arthritis in India
Rheumatoid arthritis has a high incidence in India. As per a survey published in the International Journal of Rheumatic Diseases, around 4.22 million people in India suffer from rheumatoid arthritis. A rapidly ageing population with degenerative joints, poor pain management, delayed diagnosis, lifestyle diseases like diabetes & obesity, etc., are the major causes of rheumatoid arthritis in the country. With health insurance for autoimmune diseases, people can stay financially prepared for any medical expenses resulting from the treatment of rheumatoid arthritis in future.
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High Cost of Managing Rheumatoid Arthritis
Managing rheumatoid arthritis can be quite expensive. Right from diagnostic tests and treatments to medications, people suffering from rheumatoid arthritis can incur medical bills worth thousands every month. These ongoing expenses can accumulate over time and slowly eat away their savings. By buying a mediclaim policy, policyholders can easily pay for the high cost of managing rheumatoid arthritis as their insurer will pay for it.
List of Health Insurance for Rheumatoid Arthritis in India
Here is the list of health insurance plans for rheumatoid arthritis in India:
| Health Insurance Plans for Rheumatoid Arthritis | Entry Age | Sum Insured (₹) | Waiting Period |
| Aditya Birla Activ Secure Plan | 18 to 70 years | 5 lakh to 1 crore | 90 days |
| Bajaj Allianz My Health Care Plan | 90 days to 65 years | 3 lakh to 5 crore | 2 years |
| Care Supreme Plan | 90 days to 24 years | 5 lakh to 1 crore | 2 years |
| Cholamandalam Flexi Max Protect Plan | 5 to 65 years | 50,000 to 5 crore | 90 days |
| Digit Supreme Care Plan | 18 years onwards | - | 90 days |
| Future Generali DIY Health Plan | 1 day to 65 years | 4 lakh to 15 lakh | 1 year, 2 years |
| Galaxy Promise Plan | 16 days to 65 years | 3 lakh to 1 crore | 2 years |
| HDFC ERGO my:credit Comprehensive Suraksha Plan | 16 to 65 years | 1 lakh to 5 crore | 90 days |
| ICICI Lombard Criti Shield Plus Plan | 91 days to 65 years | Up to 2 crore | 90 days |
| IFFCO Tokio Health Protector Plus Plan | 90 days to 65 years | 2 lakh to 25 lakh | 2 years |
| Liberty Critical Connect Plan | 5 to 65 years | 1 lakh to 1 crore | 90 days |
| Magma HDI OneHealth Insurance Plan | 91 days onwards | 2 lakh to 3 crore | 2 years |
| ManipalCigna ProHealth Insurance Plan | 91 days onwards | 2.5 lakh to 1 crore | 2 years |
| National Parivar Mediclaim Plus Plan | 90 days to 65 years | 6 lakh to 50 lakh | 2 years |
| New India Assurance Floater Mediclaim Plan | 90 days to 65 years | 2 lakh to 15 lakh | 2 years |
| Niva Bupa Aspire Plan | 91 days to 65 years | 3 lakh to 1 crore | 1 year, 2 years |
| Oriental Happy Family Floater Plan | 1 day to 65 years | 1 lakh to 50 lakh | 2 years |
| Raheja QBE Health QuBE Insurance Plan | 91 days to 65 years | 1 lakh to 50 lakh | 2 years |
| Reliance Health Infinity Plan | 91 days to 65 years | 3 lakh to 5 crore | 2 years |
| Royal Sundaram NeXT Gen Health Insurance Plan | 91 days to 75 years | 5 lakh to 1.5 crore | 2 years |
| SBI Super Health Insurance Plan | 91 days onwards | 3 lakh to 2 crore | 30 days |
| Star Health Super Star Plan | 91 days onwards | 5 lakh onwards | 30 days |
| Tata AIG Criti MediCare Plan | 18 to 65 years | 5 lakh to 2 crore | 90 days |
| United India Family Medicare Plan | 91 days to 65 years | 3 lakh to 25 lakh | 2 years |
| Universal Sompo Complete Healthcare Insurance Plan | 91 days to 75 years | 1 lakh to 50 lakh | 1 year |
| Zuno Health Insurance Plan | 90 days to 75 years | 1 lakh to 1 crore | 2 years |
| Zurich Kotak Health Premier Plan | 91 days onwards | 2 lakh to 2 crore | 2 years |
See more plans
Inclusions of Health Insurance for Rheumatoid Arthritis
The following coverage are included under health insurance for rheumatoid arthritis:
- In-patient treatment
- Surgical expenses
- Road ambulance charges
- Day care treatments
- Pre-hospitalization expenses
- Post-hospitalization expenses
- Modern treatments
- Home healthcare treatment
- AYUSH treatment
- Consumables expenses
- Durable medical equipment cover
- Health check-ups
- OPD treatments
- Unlimited e-consultations
- Premium waiver benefit
Note: The coverage may vary from one health insurance plan for Rheumatoid Arthritis to another.
Exclusions of Health Insurance for Rheumatoid Arthritis
Health insurance for rheumatoid arthritis excludes the following:
- Dietary supplements and substances
- Stem cell therapy
- Rest cure, respite care and rehabilitation
- Unproven treatments
- Treatments availed outside of India
Tips to Manage Rheumatoid Arthritis
Take a look at the tips to manage rheumatoid arthritis at home:
- Eat a nutritious and balanced diet rich in omega-3 fatty acids and antioxidants
- Indulge in low-intensity physical activity like stretching, pilates, etc., to keep your body moving
- Take breaks throughout the day to save energy and protect your joints
- Use heat pads or warm baths to soothe stiff joints
- Maintain a good posture to reduce stress on your joints
- Take medicines as prescribed by the doctor without skipping
- Maintain a healthy body weight to reduce complications
- Apply cold packs to soothe acute pain and swollen joints
- Manage your stress levels with the help of yoga, meditation or support help groups
- Keep up with your doctor appointments to keep the disease progress in check
Health Insurance for Rheumatoid Arthritis: FAQs
-
Q1. Is rheumatoid arthritis covered by health insurance?
Ans: Yes. Rheumatoid arthritis is covered by all health insurance companies in India. -
Q2. Can you claim benefits for rheumatoid arthritis?
Ans: Yes. You can claim the treatment cost of rheumatoid arthritis but after a waiting period of up to 2 years. Once your waiting period is over, submit the required documents to the insurance company, who will reimburse you the claim amount after verification. -
Q3. Is rheumatoid arthritis a critical illness?
Ans: Rheumatoid arthritis is not primarily a critical illness. However, some insurers cover rheumatoid arthritis under the critical illness insurance policy. -
Q4. Is rheumatoid arthritis covered in critical illness insurance?
Ans: Only a handful of critical illness insurance plans cover rheumatoid arthritis as a critical illness and pay a lump sum amount on the diagnosis of the disease. Most health insurance plans cover rheumatoid arthritis after a waiting period of up to 2 years. -
Q5. Is RA treatment expensive?
Ans: The treatment of rheumatoid arthritis (RA) can be expensive as you need to visit doctors regularly, undergo medical tests and take medications. These expenses can lead to financial burden over time. The only way to protect your savings is by buying a health insurance policy.
Health insurance companies
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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