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HomeHealth InsuranceHealth Insurance Plans Pre-Existing Diseases

Health Insurance Plans Pre-Existing Diseases

A lot of individuals are suffering from diseases like hypertension, thyroid, diabetes, asthma. These chronic diseases are not just an emotional stress but also bring financial instability. Earlier, health insurance companies covered pre-existing diseases with a waiting period of 2-3 months, however, now most of them cover these diseases from day one. Check out the most suitable plans listed below curated by InsuranceDekho’s experts.

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7 Plans found in Rs. 5 Lakh Cover
Sort by : Relevance down-arrow
  • Relevance
  • Premium: Low to High
  • Hospitals: High to Low
Reliance

Health Gain Plus

Get upto 30% additional discounts

Get additional discounts like Female proposer and Girl child discount, Healthy Life discount, long term discount, etc.

  • Cashless Hospitals346
  • Cover₹5 Lac
Includes 10% discount*
From ₹3,640 / Year
99.90 % claim settlement ratio
  • No room rent limit

    In case of hospitalisation, this is the room coverage provided by the insurance company

  • 33% no claim bonus

    For every claim free year, the insurance company would increase base sum insured by 33.33% upto maximum of 100% of base sum insured

Add-ons :

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Star Health

Young Star Silver

25% additional coverage for Road Accidents

If the insured person meets with a road traffic accident resulting in in-patient hospitalisation, then the basic sum insured shall be increased by 25% subject to a maximum of Rs. 10,00,000/-

  • Cashless Hospitals288
  • Cover₹5 Lac
Includes 5% discount*
From ₹5,872 / Year
85.80 % claim settlement ratio
  • Single Private A/C Room

    In case of hospitalisation, this is the room coverage provided by the insurance company

  • 20% no claim bonus

    For every claim free year, the insurance company would increase base sum insured by 20% upto maximum of 100%

View 3 more plans from Star Health
Star Health

Comprehensive Individual

Personal Accident cover at no additional cost

Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.

  • Cashless Hospitals288
  • Cover₹5 Lac
Includes 5% discount*
From ₹8,278 / Year
85.80 % claim settlement ratio
  • Single Private A/C Room

    In case of hospitalisation, this is the room coverage provided by the insurance company

Star Health

Comprehensive with PED Buy Back

Personal Accident cover at no additional cost

Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.

  • Cashless Hospitals288
  • Cover₹5 Lac
Includes 5% discount*
From ₹9,933 / Year
85.80 % claim settlement ratio
  • Single Private A/C Room

    In case of hospitalisation, this is the room coverage provided by the insurance company

Star Health

Young Star Gold

Maternity cover upto Rs.30000

Expenses related to hospitalisation due to maternity will be covered upto Rs. 30000

  • Cashless Hospitals288
  • Cover₹5 Lac
Includes 5% discount*
From ₹7,245 / Year
85.80 % claim settlement ratio
  • Single Private A/C Room

    In case of hospitalisation, this is the room coverage provided by the insurance company

  • 20% no claim bonus

    For every claim free year, the insurance company would increase base sum insured by 20% upto maximum of 100%

Care Health

Care Freedom

Annual free health check up (all adults)

Annual health check-up for all insured members covered as adults

  • Cashless Hospitals132
  • Cover₹5 Lac
From ₹6,548 / Year
93 % claim settlement ratio
  • Twin sharing room

    In case of hospitalisation, this is the room coverage provided by the insurance company

  • Zero no claim bonus

    For every claim free year, the insurance company would increase base sum insured by this amount

View 1 more plans from Care Health
Care Health

Care Freedom with Health Check Plus

  • Cashless Hospitals132
  • Cover₹5 Lac
From ₹6,548 / Year
93 % claim settlement ratio