Top Rated Health Insurances for Cancer, Heart, Diabetes, Dengue, BP, Dengue and Maternity Expenditure

Are you looking for top rated Health insurances for Cancer, Heart, Diabetes, Dengue, BP, Dengue and Maternity Expenditure? Find the best list of health and medical insurance policies here.

Find ere is Kubera Tips‘ best list of Health Insurances for Cancer, Heart, Diabetes, Dengue, BP and Maternity Expenditure. Choose your top rated health insurance package now.

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A drastic change in lifestyle and eating habits, and other reasons have been a cause of numerous ailments among a major chunk of the population in today’s life. The cost of getting medical treatment for any of these ailments is also becoming a reason for concern among major sections of the community.

In this scenario of growing costs, an instant online insurance company quotes of health medical insurance comes as a boon.

In the beginning stages when insurance was introduced newly, there were no separate policies catering to one particular aspect. However, these top rated insurance policies were not of any use in case of certain ailments.

With changing times, changes were made in the insurance policies and exclusive policies started coming into being. We’ll have a look at the major best rated health and medical insurance policies:

For Cancer Treatment

Policy Name: HDFC Cancer Care

Insurance Company: HDFC Life Insurance

Purpose of Insurance: For treatment related to cancer

Eligibility for being a policy holder: Healthy people between the age group 18 and 25

Insurance Amount: From INR 10 lakhs to INR 40 lakhs

Points to remember:

1. This policy is available in Platinum, Gold and Silver options
2. If cancer is detected in the initial stages, the rest of the premiums need not be paid
3. If you choose Platinum plan, you will be paid a fixed amount on a monthly basis for 5 years
4. Once cancer is detected, if the insured person is alive for 7 days, they are eligible for the entire sum assured
5. There is no mandatory requirement to be conduct any medical tests at the time of taking the policy

Waiting Period: The insurer will not be entitled for any kind of payments until 180 days from the day of taking the policy.

Exemptions: Diseases at birth, diseases

For Heart Risks

Policy Name: Star Cardiac care Insurance Policy

Insurance Company: Star Health and Allied Insurance

Purpose of Insurance: For treatment related to heart diseases

Eligibility for being a policy holder: Persons between the age group 10 years and 65 years who underwent PTCA (Stenting) or CABG (By pass) four years before taking the policy are eligible to be covered under this policy.

Insurance Amount: INR 3,00,000 ; INR 4,00,000

Points to remember:

1. Insurer will be eligible to heart treatment 90 days after taking the policy
2. Available in Gold and Silver plans
3. People who take gold plan are eligible for all kinds of medical treatments and surgeries related to heart
4. People who take silver plan are eligible for a few selected surgeries related to heart
5. People who are interested to take this policy will have to attend medical tests at nominated diagnostic centres
6. This policy is similar to normal life insurance policies

Waiting Period: For heart related treatments, 90 days after taking the policy. For other tests and diagnosis amount will be available only after 4 years.

Exemptions: Diseases since birth, and other exemptions available for normal insurance policies

For Diabetes

diabetic safe insurance policy

Policy Name: Diabetic Safe Insurance Policy

Insurance Company: Star Health and Allied Insurance

Purpose of Insurance: For treatment related to diabetes

Eligibility for being a policy holder: A diabetic patient between the age group 18 and 65

Insurance Amount: INR 3,00,000; INR 4,00,000; INR 5,00,000; INR 10,00,000

Points to remember:

1. The policy can be taken covering individuals and covering family
2. Insurance coverage is available from the day of the issue of the policy
3. Insurance coverage is available for both Type1 and Type 2 diabetes
4. Policy can be taken with or without medical examination
5. Other aspects of the policy are similar to other policies

Waiting Period: Waiting period is 4 years for conducting other tests.

Exemptions: Diseases at birth are exempted along with the other features
of a health insurance policy.

For High Blood Pressure

Policy Name: Energy

Insurance Company: Apollo Munich Health Insurance

Purpose of Insurance: For treatment related to diabetes and Hypertension

Eligibility for being a policy holder: A person suffering with Diabetes and High Blood Pressure or any of the two diseases between the age group 18 and 65 are eligible for this policy

Insurance Amount: INR 2,00,000; INR 3,00,000; INR 5,00,000; INR 10,00,000

apollo munich health insurance

Points to remember:

1. The policy covers only individuals
2. Insurance coverage is available from the day of the issue of the policy for any treatment related to High Blood Pressure and Diabetes.
3. Policy available in Gold and Silver options
4. The policy can be taken with a co-payment option of 20% and without the co-payment option.
5. All the expenditure related to hospital, before joining the hospital and after getting discharged also will be paid as per the insurance coverage amount
6. Regular health checkups will also be arranged and tips on keeping the disease in control will also be shared
7. Policy holders who control sugar levels and BP levels will be given subsidy in the policy premiums

Waiting Period: Waiting period is 3 years for conducting other tests.

Exemptions: Diseases at birth are exempted along with the other features of a health insurance policy.

For Dengue

Policy Name: Dengue Care Plan

Insurance Company: Apollo Munich Health Insurance

Purpose of Insurance: For treatment of Dengue

Eligibility for being a policy holder: Any person between the ages 91 days to 65 are eligible for this policy

Insurance Amount: INR 50,000; INR 1,00,000;

Points to remember:

1. The policy covers only individuals
2. Insurance coverage is available when a person is diagnosed positive for
3. Dengue and is an in-patient in a hospital for 24 hours
4. If diagnosed positive for NN1 in the out-patient section, will be given INR 10,000
5. No medical tests are required to take the policy
6. All the expenditure related to hospital, before joining the hospital and after getting discharged also will be paid as per the insurance coverage amount

Waiting Period: Waiting period is 15 days after taking the policy.

Exemptions: Only Dengue is covered under this policy. Unnecessary tests, and expenditure vested for medicines not prescribed by the doctor will not be covered under the policy.

For Maternity Expenditure

Policy Name: Joy

Insurance Company: Religare Health Insurance

Purpose of Insurance: For treatment related to maternity

Eligibility for being a policy holder: Any person who crossed 18 years of age are eligible for this policy

Insurance Amount: INR 3,00,000; INR 5,00,000;

Points to remember:

1. The policy covers individuals and family floater also Policy has to be taken for 3 years at a time
2. Maternity related expenditure will be paid only after 9 months of taking the policy
3. New born will be entitled for Insurance coverage

Waiting Period: Waiting period is 4 years for conducting other tests, while for maternity it is 9 months.
Exemptions: All the exemptions in a normal health insurance policy are available in this policy.

Get quotes of instant online insurance companies and Apply your top rated affordable health insurance plan that covers all your needs of health and medical expenditure (your and yours family members). Be a insured person and be happy with your family.

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