Top Plans for Pre Existing Diseases | Health Insurance

Watch this video to know more about Top Plans for Pre Existing Diseases. Considering the changing needs of policyholders insurance companies have started offering innovative insurance products that suit their needs.
These products are being customised as per customers' needs. With rising health complexities insurers have started offering policies that cover pre-existing diseases. Let's check out the top 4 health insurance policies offered by insurers.

HDFC Ergo Energy Gold

This exclusive plan covers health issues like diabetes and hypertension from day 1 without serving any waiting period. It also covers the health complexities arising due to these diseases. This policy also offers a number of special features. It offers a personalised coach for a healthy lifestyle and provides welfare support. With 30 days pre-hospitalisation and 60 days post hospitalisation cover, it also offers coverage for the organ donor and day-care facility. It also offers wellness checkups worth Rs. 2000 twice a year. The plan provides life-long renewability benefit too.

Star Health Diabetes Safe Plan

As the name suggests, this plan is designed especially for offering protection to diabetic patients. This plan covers type I and type II diabetes. It offers 2 plans, plan A and plan B. Plan A allows you to make claims for any health complexity arising due to diabetes, without serving any waiting period. However, you have to undergo a medical test to avail this plan. You will be able to opt for this policy only if you clear the test. Plan B on the other hand offers coverage for diabetes after serving a waiting period of 1 year. You can opt for this plan without undergoing any medical test. This plan can be taken on an individual as well as family floater basis.

This plan also has several special features. It offers sum insured in the range of 3-7 lakh. The sum insured also gets automatically restored. It also offers coverage for accident, outpatient treatments and day-care procedures.

Bajaj Allianz Silver Health

This policy is designed especially for senior citizens. It is ideal for applicants between the age group of 46- 70 years. This policy imposes a waiting period of just 1 year for treatments like cataract, endometriosis, hydrocele. However, the coverage offered for these treatments will be upto 50% of the sum insured.

The policy also has several special features. It offers ambulance cover of upto Rs. 1000. It also provides for cashless treatments in 65K+ hospitals along with lifelong renewability benefit.

Max Bupa Heartbeat

This comprehensive plan offers international coverage. This policy can be taken on individual and family floater basis. It provides the 3 options from which you can select a suitable plan. The plans include platinum, gold and silver. Platinum and gold plans, offer coverage on pre-existing diseases after 2 years. However, the silver plan imposes a waiting period of 48 months.

One of the special features of the plan is that it offers a wide sum insured of 5 lakh to 1 crore. It also offers maternity cover of 40K to 2 lakh and newborn cover upto sum insured. Mental disorder cover of Rs. 50K is also offered. The plan covers 60 days pre-hospitalisation expenses upto sum insured and 90 days post-hospitalisation expenses upto sum insured.

These were the top plans for pre-existing diseases. Contact Turtlemint experts for more information.


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