Health Insurance Plans that Cover Pre-existing Diseases from Day 1

Health insurance provides you financial coverage against medical expenses, but there’s a waiting period of 2-4 years for your pre-existing diseases. A pre-existing disease is an ailment that you are already suffering from before purchasing a policy. So, if you are looking for a health insurance plan that covers pre-existing diseases from day 1, we have good news for you! Health insurance plans like – Star Health Diabetes Safe, Aditya Birla Activ Health Platinum, HDFC Ergo Health Energy provide you coverage for pre-existing disease from day 1. Read this post further and know more about the benefits of these health insurance plans.

Aditya Birla Activ Health Platinum

Under Aditya Birla Activ Health Platinum, you will get the benefit of the Chronic Management Program where conditions like – Diabetes, Asthma, High Cholesterol and High Blood Pressure – get covered from day 1. Aditya Birla Activ Health Platinum comes in two variants –

1. Essential – Here, you’ll get sum insured options of – INR 50,000, INR 75,000 and INR 1-10 Lakh. Its coverage includes – in-patient hospitalization, pre-and post-hospitalization medical expenses, daycare treatments, road ambulance cover, second e-opinion on critical illness.
2. Enhanced – Under this variant, you’ll get a sum insured option from INR 2 Lakh to INR 2 Crore. The coverage of this plan is as follows – in-patient hospitalization, pre-and post-hospitalization medical expenses, daycare treatments, road ambulance cover, organ donor expenses, reload of the sum insured, worldwide emergency assistance and second e-opinion on critical illness.

HDFC Ergo Health Energy

HDFC ERGO Health Energy Plan provides coverage for Type 1 & 2 Diabetes and Hypertension from day 1. This plan comes in two variants – Silver and Gold plan, and its coverage is as follows –

1. In-patient hospitalization
2. Pre and post hospitalization
3. 182-day care procedures
4. Emergency ambulance
5. Organ donor expenses
6. Shared Accommodation benefit
7. HbA1C Checkup benefit

You can choose a minimum sum insured of INR 2 lakh and a maximum of INR 50 lakh under HDFC Ergo Health Energy Plan. Under this plan, you’ll get the wellness program benefit, which is designed to manage your health. Two complete medical check-ups will be administered each policy year.

Wellness Test 1: HbA1c, Blood Pressure Monitoring, BMI

Wellness Test 2: HbA1c, FBS, Total Cholesterol, Creatinine, high-density lipoprotein (HDL), Low-Density Lipoprotein (LDL), Triglycerides (TG), Total Protein, Serum Albumin, GammaGlutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Bilirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation.

Note – In the Gold Plan variant, you’ll get a cashless check-up for wellness tests at the insurer’s network centers. For check-up at non-network centers, the insurer will reimburse up to INR 2,000 at the end of the policy year.

Star Health Diabetes Safe

This health insurance plan provides coverage for both Type 1 and 2 diabetes from day 1. Star Health Diabetes Safe Plan comes in two variants –

1. Plan A
2. Plan B

If you opt for Plan A, you’ll get coverage for pre-existing diseases (Type 1 and 2 diabetes) from day one. Whereas, in Plan B, the coverage for pre-existing diseases (Type 1 and 2 diabetes) will start after the expiry of the 12-month waiting period.

Note – Once you choose a plan, it cannot be changed either during the currency of the policy or on renewal.

Star Health Diabetes Safe Plan coverage includes –

1. Hospitalization expenses
2. Pre-and post-hospitalization medical expenses
3. Outpatient expenses
4. Modern treatments
5. Personal accident

You’ll get the sum insured option of – INR 3,00,000, INR 4,00,000, INR 5,00,000 and INR 10,00,000.