Does Health Insurance Cover Treatment of Genetic Disorders?


Does Health Insurance Cover Treatment of Genetic Disorders?

A genetic disorder is a disease that occurs due to any abnormality in the genome, i.e., the genetic material of a person. Earlier, people suffering from genetic diseases faced difficulties in getting health coverage. However, as per the recent guidelines of the Insurance Regulatory and Development Authority of India (IRDAI), genetic diseases or disorders will no longer be excluded in health insurance policies.

Health insurance companies will now cover genetic disorders under a standard health insurance policy. It is a significant move, especially since getting health insurance for genetic disorders in India will now be possible. It would enable these individuals to avail of quality medical care without worrying about the expenses. 

Standardization of Exclusions by IRDAI

According to the guidelines issued in September 2019 under the Standardization of Exclusions in Health Insurance Contracts, the IRDAI has standardised the wordings of exclusions. The treatment of internal congenital diseases, genetic diseases or disorders, mental illness, stress or psychological disorders and neurodegenerative disorders, puberty, and menopause-related disorders will now be covered in health insurance policies.

Also, usage of drugs, stimulants or depressants prescribed by a medical practitioner will also become a part of health insurance coverage.

Why is Health Insurance Necessary?

Earlier, policyholders had fears about claim rejection related to health cover for genetic disorders. At the same time, ailments like diabetes and heart ailments can be genetic too, and they are generally covered under health insurance plans. This ambiguity is now resolved as coverage for genetic diseases is now included in health insurance policies.

Health care is indispensable in this day and age. The risks of ailments are increasing, and, at the same time, medical costs are skyrocketing. All these factors hint at the need for financial support to help an individual deal with this burden. Health insurance plans fulfil this objective by providing coverage for a range of medical expenses that are not just limited to hospitalization. That is, medical insurance will also take care of one’s other expenditures during a medical treatment involving pre and post hospitalization medical expenses, ambulance cover, daycare treatment, etc. Besides, the facility of cashless medical treatment is gaining importance owing to the sheer convenience it provides. This facility is available at a network hospital empaneled with the health insurance provider.

Every individual has the right to get quality and affordable medical care; however, as the medical treatment can be expensive, it is crucial to have sufficient health cover so that one stays financially secure even during any medical emergency. Care Advantage by Care Health Insurance is a comprehensive 1 crore health Insurance policy that will give you the best financial cushion.

When opting for a health policy, one has to consider several factors that include current medical condition, age, premium cost, and the sum insured that is adequate for one’s needs. Moreover, reading the policy documents will give better clarity on what the policy offers. Moreover, there is a waiting period of 24 months for specific diseases like genetic disorders. 

Choosing the best health insurance is the first step to ensure a healthier life. Get a health cover at an affordable price today. CHI has over 22900+ cashless healthcare providers in India that provide cashless medical treatment. Visit the official website of Care Insurance for more details.

Disclaimer: Underwriting of claims for Genetic Disorder is subject to policy terms and conditions.

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