List of Diseases Covered by National Health Insurance Plans

List of Diseases Covered by National Health Insurance Plans

A health insurance policy is essential for everyone to ease the financial burden that could result from a medical emergency in the family. With the rising cost of medical care, the cost of treating some diseases can reach several lakhs, so having a health insurance policy on hand can help you be adequately prepared to cover the costs.

To give consumers the most coverage possible, insurance companies in India, like National Insurance, now offer a selection of health insurance policies with various advantages and add-on options. It’s crucial to understand that the majority of your hospitalization costs are covered by health insurance. However, understanding which disorders are covered by health insurance is just as crucial. The following is a list of ailments that are covered by a basic health insurance plan.

Importance of National Health Insurance Policies

The cost of healthcare in India has increased significantly over the last few years, making it imperative that you and your family have comprehensive health insurance. Additionally, the COVID-19 epidemic has demonstrated why everyone needs health insurance. If you don’t have health insurance, even simple hospital stays or procedures at reputable private hospitals might cost thousands of rupees. However, you should also consider getting National health insurance, which pays for ambulance charges, treatment costs, etc. This insurance also pays for pre and post-hospitalization hospitalization fees.

Wide Range of National Health Insurance Policies

National Insurance provides a variety of health insurance products to protect against a range of ailments. These plans consist of:

  • New National Parivar Mediclaim Policy
  • National Group Mediclaim Policy
  • National Young India Mediclaim Policy
  • Corona Kavach Policy-National
  • National Mediclaim Plus Policy (Individual Plan)
  • National Mediclaim Policy (Individual Plan)
  • Overseas Mediclaim Business and Holiday
  • Overseas Mediclaim Employment and Studies

List of Diseases Covered by National Health Insurance Plans

Let’s check out the list of diseases covered by National health insurance plans:

  1. Accident-Related Injuries

The expense of medical care for accident-related injuries is typically covered by all Mediclaim insurance. You may receive complete coverage for all costs, including inpatient hospitalization, post-hospitalization care, diagnostic testing, etc., depending on the insurance terms. Additionally, if you receive treatment at one of the hospitals in the insurer’s network, you are eligible to use the cashless claim facilities for such expenditures.

  1. COVID-19

The Insurance Regulatory and Development Authority of India has ordered all Indian insurance firms to cover COVID-19 under the present policy due to the rising number of COVID-19 patients in India and the increased danger of the disease. Because COVID-19 is a fatal virus, it must be treated with specific care. You can exhale in relief knowing that the insurer will cover the expense of the therapy if you have a strong Corona Kavach health insurance policy at your disposal.

  1. Diabetes

Both men and women commonly experience the health effects of diabetes. The disease can result in a variety of consequences, and patients frequently need to be hospitalized, depending on their health conditions. You may be covered for all costs, including blood tests, insulin injections, doctor consultation fees, medications, etc., depending on the terms of your policy.

  1. Cancer

One of the most feared illnesses is cancer. The cost of cancer therapy might reach several lakhs, depending on the severity of the patient’s condition and the type of cancer that has been identified. Cancer patients frequently need specialized care, extensive hospital stays, and post-hospitalization therapies including chemotherapy and radiation therapy, among other things.

All health insurance policies typically provide coverage for cancer treatment, though there may be restrictions. For instance, if cancer is discovered in its advanced stages, the policy may place sub-limits on hospitalization costs or impose a waiting time before it is covered by the full range of the policy features. While filing the claim, be mindful of the policy’s terms.

  1. Cataract Surgery

One of the common illnesses covered by health insurance is this one. A cataract is an eye condition that impairs vision and is most common in older people. Surgery is typically required for cataract therapy. The majority of healthcare plans include cataract surgery, except for group health insurance programs. But before the coverage kicks in, there can be a waiting time.

  1. Dengue

Although not a serious ailment, it occasionally has fatal repercussions if untreated. Regardless of whether you require hospitalization or not, the majority of insurance policies that cover Dengue reimburse all medical costs associated with the treatment; the coverage also covers daycare fees.


People with HIV/AIDS have a weakened immune system and are more vulnerable to many problems. Any Indian of the middle class can’t afford to treat it. Fortunately, several insurance policies in India offer financial assistance for HIV/AIDS treatment. Different comprehensive health insurance plans cover hospitalization charges, treatment costs, daycare costs, and a variety of other costs.

  1. High BP (Blood Pressure)

The rising degree of stress at work and home generally causes high blood pressure. Additionally, it could be brought on by other health issues. In India, a sizable portion of the population has high blood pressure. High blood pressure can induce blood vessel blockage, which can result in disorders like heart attack and stroke if it is not treated or monitored for a long time. As a result, it’s critical to seek early medical evaluation and treatment for high blood pressure.

  1. Critical Illnesses

In the event of a serious illness, there are specialized health insurance plans from National Insurance to cover the high expense risks. These illnesses are not only highly time and resource-intensive but also potentially fatal.

Numerous hereditary and lifestyle factors have greatly raised the likelihood of these dangers as well as their costs. An economical option to cover many catastrophic illnesses like cancer, multiple sclerosis, Parkinson’s disease, paralysis, myocardial infarction, etc., is to get a critical illness health insurance plan.

Depending on the type of coverage you buy, different diseases are covered by different types of health insurance. You must be familiar with the list of diseases covered by the plan and the accompanying terms and conditions for coverage before you sign the National health insurance policy papers. This will enable you to purchase insurance policies with knowledge and prevent you from filing a fake claim.

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