online health insurance

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Did you know? You can get health insurance cover
for lifestyle diseases as well!
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Believe it or not, but India has one of the
highest number of heart patients and diabetics in
the world. Whats scarier is that, despite this,
very few Indians who suffer from such ailments
have the protection of a health insurance policy.
One of the biggest reasons for this is the fact
that many individuals that suffer from such
illnesses give up on health insurance, afraid
they will not be provided with the coverage.
However, this is not true and the following
article will help you find a plan make the
right insurance choices.
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Conditional acceptance for diabetes is a real
possibility. Thats right, many health insurance
companies provide conditional acceptance. This
means is that, they will provide a policy at
usual premium amounts as long you have your
condition in check. You will enjoy the normal
cover, void of any restrictions at the same price
everyone else pays! Of course, there is no
uniformity in this regard amongst insurance
providers.
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What if my condition is not so stable? Then you
have the option to purchase a health insurance
plan at a slightly steeper premium amount. Also,
it will depend on the plan coverage being
offered. If the policy offers cover right from
Day 1 of purchase, chances are, the premiums will
be on the higher side. Its a similar scenario if
you suffer from a more advanced stage of the
illness. For instance, individuals with Type-Two
diabetes and/or high HbA1C and/or on insulin
counts can expect more premium-loading.
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What about heart disease? In the case of heart
disease, one can purchase a health insurance plan
that offers dedicated coverage. These plans
usually provide full cover for treatment costs
and also cover things like OPD expenses, doctors
visits consultation, pharmacy expenses and
diagnostics as well! Usually, with such plans,
premiums payable are decided based on yearly
medical check-ups. Most insurance providers will
have yearly targets that, if met, will result in
rewards such as discounted premiums increased
cover at the same premium amount.
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Are such plans are also available for diabetics
as well? Yes, very much so! One can purchase a
specialized health insurance for diabetes too.
These plans usually come with features benefits
focused on the ailment. For example, some plans
offer coverage for daily dialysis expenditure for
several months, while others will even cover the
cost of artificial limbs too. Again, such plans
will have medical tests to determine premiums and
will offer rewards if the insured shows improved
test results.
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Just beware of restrictions. So, as you can see,
there are many ways to enjoy protection of health
insurance even if you suffer from a lifestyle
disease. However, when purchasing a plan to cover
such an illness, remember to keep your eyes
peeled for restrictions on sub-limits, co-pay,
etc. Also, look out for waiting periods and
remember to compare such restrictions from one
lender to the next before finalizing.
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Hope this has been helpful, good luck and all the
best!
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