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Autoimmune Diseases Covered under Health Insurance Plans In India
When your immune system, which is supposed to guard against viruses and foreign cells, attacks your own body, it is called an Autoimmune Disease. Let us learn if your health insurance covers such diseases.
The immune system of a human body has strong power to sense bacteria and viruses which attack our body. It kills the foreign cells invading our body with our own healthy cells. However, in case of Autoimmune diseases, due to certain reasons the immune system cannot differentiate between healthy cells and foreign cells and starts killing the healthy cells of our body.
For instance, in case of diseases like Type 1 diabetes, multiple sclerosis, Graves’ disease, Addison’s disease, which are all autoimmune diseases, the healthy cells of the body are destroyed by the immune system by mistake.
Though, there is no clinically proven and precise cause behind the development of these autoimmune diseases. However, if you have family history you may be prone to this disease. Also, women are said to be more susceptible to such autoimmune diseases.
The fact that health insurance plans allows coverage for autoimmune diseases is a positive aspect about these diseases. Let us check more details on the same.
Does Your Health Insurance Policy Allow Coverage Against Autoimmune Diseases?
Yes, the recent changes in some of the insurance policy regulations done by IRDAI in 2019 regarding ‘pre-existing diseases’ made coverage for autoimmune diseases possible. So, now we have health insurance policies in India that cover autoimmune diseases.
In fact, many insurers are offering health plans with coverage for autoimmune disease. The coverage and features of such a plan varies depending on the insurance company. And depending on the type of coverage, the waiting period for such diseases might vary from a month to three months duration.
However, in general there are two different ways in which an insurer can provide autoimmune disease health cover –
- Disease-specific health insurance for autoimmune diseases
- Coverage under critical illness benefits
Disease-Specific Health Insurance Plans – These are customized plans dedicated specially to particular diseases. For example, special and best health insurance plans are there for Type 1 diabetes, which is an autoimmune disease and is covered under a particular plan.
Critical Illness Cover – There are some insurers who provide health policies for critical illness and cover most autoimmune diseases under such plans. For example, your medical insurance provides benefits such as hospital charges, ambulance charges etc. under critical illness cover.
Autoimmune Diseases that are Covered Under Insurance
Below are some common autoimmune diseases mostly covered by insurers. However, it mainly depends on a particular insurance company as to how many autoimmune diseases are covered by them:
Some of the common autoimmune diseases are Type 1 Diabetes, Multiple Sclerosis, Pernicious Anemia, Addison’s Disease, Rheumatoid Arthritis (RA), Systemic Lupus Erythematosus (SLE), Psoriatic/Psoriasis-Arthritis, Autoimmune Vasculitis, Inflammatory Bowel Disease, Sarcoidosis, Celiac Disease, Sjogren’s Syndrome etc.
Health Insurance Benefits Received for Autoimmune Diseases
Though it depends on the insurance company regarding the coverage and features offered for autoimmune diseases. However, most health insurance plans allow Rs. 1 lakh to Rs.1 crore or more coverage for autoimmune diseases. And as per the particular sum insured, the benefits and features also change.
Below are some of the features included under a health insurance plans offering coverage for autoimmune diseases:
- Cover against hospitalization charges
- Cover against OPD or outpatient treatment expenses
- Cover against charges for various tests
- Coverage for Day-care facility charges
- Ambulance charges etc.
Waiting Period for Raising Claims for Autoimmune Diseases
Like in many other diseases, for autoimmune diseases also Health insurance policies have a waiting period. It varies from a period of one month from the date of policy initiation to over three months or 90 days in case of health insurance for critical illness cover.
During the time of waiting period, the insured cannot raise a health insurance claim against autoimmune diseases. So, one has to wait for the waiting period to end before making claims for autoimmune diseases.
Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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There are plenty of life insurance myths that people have regarding and they need to be dispelled.
It is thanks to these wrong ideas that people fail to see insurance as what it truly is – a vital part of your financial planning. You need to understand that these policies are an important constituent of your financial contingency plan – one that would protect your near and dear ones financially in the future. It would make sure that they do not experience a shortage of funds when they need them in the future. In certain cases, it can also act as a source of income following retirement as well as ailments and accidents that render you unable to work and earn.
When Rajesh wanted to purchase a new life insurance policy for his family, many of his friends advised him to understand the claim settlement ratio of a company. Although he didn’t understand what claim settlement ratio is, he knew that it was relevant in making the decision to buy a policy from a particular company. He therefore researched about it, compared plans and at last, he bought a policy from a company that had a high claim settlement ratio.
Buying a new online term insurance plan involves researching on various things like cover, exclusions, add-ons, and one should know about them in detail. For example, Tata AIA is a leading insurance company that offers a wide range of insurance plans in market at very competitive prices. However, being competitive in pricing alone is not enough, it is necessary to understand the company’s claim settlement ratio (CSR) before purchasing a plan.
Saral Jeevan Bima Yojana is a new standardized life insurance policy that has been brought about by the IRDAI (Insurance Regulatory and Development Authority of India) so that people can have an economical life insurance policy.
This is a non-participating and non-linked individual pure risk premium life insurance policy. In this case, your nominee would receive the sum assured if you pass away while you are covered by the policy. In its annexure, the policy states some benefits and riders. Apart from that, it does not offer any other benefit, rider, variant, or option. The only exclusion in the policy is that of suicide.
The Indian government offers various life insurance plans to secure the financial future of people. The PLI or Postal Life Insurance is one such government policy that monetarily protects the lives of your family members at an economical postal interest.
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