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List of Diseases Covered Under Health Insurance
Claim Settlement Ratio (OND 2018)
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Sunita, a working woman from Delhi, had recently purchased an individual mediclaim policy. Within a few months, she underwent a dental treatment procedure and decided to make a claim on her policy. When she contacted her insurer, she realized that the medical condition for which she made a claim was not listed in the diseases covered under mediclaim.
While health insurance offers comprehensive coverage for expenses that go beyond hospitalization; mediclaim policies, on the other hand, provide cover for all the hospitalization-related expenses for a specified time limit. Despite this difference, mediclaim policies are highly beneficial in terms of a predefined sum insured. However, when buying such a policy, it is essential for the policyholder to thoroughly read the policy details to know the ailments for which coverage is available and those for which it is not.
The list of diseases covered under health insurance depends on the type of plan chosen by a person. However, mediclaim policies generally cover the following medical conditions:
The coverage for treatment for injuries caused by accidents is provided by mediclaim policies. Accidents are medical emergencies that require immediate hospitalization. So, all the expenditure incurred by an individual during hospitalization is completely covered under mediclaim policies. Moreover, cashless health insurance is a feature available with such policies wherein the insured person can avail treatment at any of the network hospitals of the insurer and opt for a cashless claim facility.
A mediclaim plan covers all the expenditure directly related to hospitalization that includes diagnostic tests, medications, x-ray test, radiotherapy, blood test, etc. along with ambulance costs, ICU charges, and doctor's fees.
A pre-existing disease covered under health insurance comes with a waiting period. For instance, mediclaim policy by Religare Health Insurance offers coverage for pre-existing ailment with a waiting period from policy inception.
Similarly, some mediclaim policies also consider pre-existing ailments. In fact, complications arising from such conditions are also considered under pre-existing ailments. Some policies cover such ailments only after the renewal of the policy.
A cataract is a medical condition seen in senior citizens. It is an eye disorder wherein a protein mass builds up in the eye and leads to vision problems. To rectify the problem, surgery is required. Except for some group mediclaim plans offered by employers, health insurance plans usually come with a waiting period.
In addition to cataracts, there are other medical conditions such as Hernia, Piles and Sinusitis are listed as diseases covered under mediclaim with a waiting period.
There are some medical conditions that are not covered at all by mediclaim plans. They include cosmetic surgeries, treatment of AIDS/ HIV, hospitalization due to war or nuclear threat, illness due to substance abuse, infertility treatment, self-inflicted injuries, congenital disease, dental treatment not resulting from injuries, etc.
Usually, mediclaim policies do not cover critical illnesses. However, there are specific covers available which are known as critical illness insurance. These plans are designed to provide cover for various life-threatening conditions such as cancer, renal failure, heart diseases, etc.
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