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Health insurance for people diagnosed with an auto-immune disease

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10 Jun, 2022 by  A

Hi all,


Does any insurance company provides health cover for people diagnosed with an auto-immune disease?

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Health Insurance

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13 Jun, 2022
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Hi,


It might be difficult to accept but, in this case, if the member is already diagnosed with an auto-immune disease, the chances of getting a retail health insurance cover are very low. You might give it a try with the Care Freedom Insurance plan offered by Care Health (erstwhile Religare Health)

Alternatively, if there is a scope for Corporate / Group Health Insurance from the employer, such members will have a chance to get the insurance benefits provided that the policy has pre-existing day-1 cover.

Start off with a medical contingency fund with the help of a good financial advisor to be prepared for future medical expenses.


Best Wishes...

Satish Kumar H


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13 Jun, 2022
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Hi,


Like Satish said, it is difficult to get a policy if auto-immune disease is already diagnosed. But, I'd suggest you to try applying in different companies starting with the best plan. Care Freedom can be tried if these are denied. Based on the age, PED condition, there may be some insurers who can offer the plan albeit with either permanent exclusion for the PED or with waiting period and loading.


Also parallelly try alternate options which Satish suggested.


Thank you,

Avinash

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14 Jun, 2022
CEO, Insurance Samadhan

Dear

Auto immune is the cause and not the disease .

Hence apply after giving the name of disease .

Though auto immune as category is not acceptable but there are any diseases which get clearance .

So don't go by the category and see your age and name of disease .

For example , few diabetes is also auto immune but insurance is given with loading .

Hope this clarifies

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