Save tax up to ₹75,000~ u/s 80D
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Save tax up to ₹75,000~ u/s 80D
Fatty liver disease, often linked to sedentary lifestyles and poor diet, can progress to serious liver complications if untreated. With a comprehensive health insurance plan, treatment costs can be managed smoothly, without putting a strain on your finances.
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Alcoholic Fatty Liver Disease (AFLD): It is caused by excessive alcohol intake. The liver struggles to break down alcohol, leading to fat deposition. This can be an early stage of alcohol-related liver damage.
Studies indicate that Non-Alcoholic Fatty Liver Disease (NAFLD) affects a huge part of the Indian population, with significantly higher prevalence among individuals with diabetes or obesity. Chronic liver diseases remain among the leading causes of death from fatty liver in India. Health insurance for fatty liver helps cover diagnostics, specialist care, and advanced treatments, easing the cost of long-term management.
Fatty liver symptoms are not easy to detect in the early stages. Individuals who are overweight, particularly those with excess abdominal fat, as well as those diagnosed with polycystic ovary syndrome (PCOS) or obstructive sleep apnea, have a higher risk of developing Non-Alcoholic Fatty Liver Disease (NAFLD).
Fatty liver treatment costs in India vary significantly depending on the stage, and interventions require early diagnosis & monitoring, advanced procedures and complications.
| Component | Approximate Cost (India) |
|---|---|
| Basic Liver Function / Fatty Liver Test | ₹2,000-₹6,000+ per test |
| Ultrasound / Imaging | ₹700-₹2,000+ (varies by location) |
| Liver Biopsy | ₹3,000-₹15,000 |
| Hospitalisation (Advanced Treatment) | ₹1-5 lakh+ (varies widely) |
| Liver Transplant (Private) | ₹15-₹30 lakh+ |
| Liver Transplant (Govt/Schemes) | ~₹12 lakh (reported) / up to ₹20–22 lakh support under state schemes |
Delaying individual health insurance until after a medical condition is detected can significantly reduce your financial protection.
| If You Wait to Buy Insurance | What It Can Cost You | Why Buying Before Diagnosis Matters |
|---|---|---|
| You buy insurance only after a liver condition is detected. | The condition may be treated as pre-existing, leading to waiting periods before related claims are payable. | Buying early ensures waiting periods are already running or completed when health issues arise. |
| You delay coverage, assuming serious illness is unlikely. | If hospitalisation becomes necessary, treatment expenses may have to be paid out of pocket. | Having active coverage in place protects your savings from sudden medical bills. |
| A major intervention, such as a liver transplant, becomes necessary later in life. | A liver transplant in India can cost ₹5-30 lakh, creating severe financial pressure. | Comprehensive coverage prevents life-saving treatment from turning into a financial crisis. |
| An emergency admission requires immediate payment. | Large upfront hospital deposits can force you to dip into savings or take loans. | Cashless treatment at network hospitals reduces the immediate out-of-pocket burden, as per policy terms. |
We ensure financial security with ultimate healthcare through our various plans. As health risks evolve over time, our plans are designed to provide financial continuity.
✔ No Financial Penalties During Treatment
No zone-based co-payment and no room rent limits. You can choose the hospital and room category you prefer without benefits being proportionately reduced.
✔ No Room Rent or ICU Sub-Limits
You won’t have to downgrade your hospital choice due to policy caps.
✔ High Sum Insured Options
Up to ₹1 Cr and beyond, suitable even for major procedures like transplants.
✔ Extensive Cashless Network
Access treatment across one of India’s largest hospital networks without large upfront payments.
✔ Critical Illness & Transplant Coverage
Hospitalisation for advanced conditions is covered up to policy limits, as per terms.
✔ Pre-Existing Condition Support
Structured waiting periods with options to reduce them, subject to policy terms.
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Ideal for families looking for capless coverage
Health insurance for domestic and global coverage up to 6 crore
Choosing a health insurance plan should not feel complicated. What truly matters is whether your policy can cover real medical expenses, from hospital stays to advanced treatments, without hidden limits or financial strain. Here’s a clear look at what you get and why it matters for long-term protection.
| Feature | Coverage Details/Limit |
|---|---|
| Sum Insured (in ₹) | 5L/7L/10L/15L/20L/25L/50L/1Cr/ Unlimited |
| In-Patient Care | Up to SI |
| Day Care Treatment | All day care procedures |
| Advanced Technology Methods | Up to SI |
| Pre-Hospitalisation Medical Expenses | Up to SI (60 days before hospitalisation) |
| Post-Hospitalisation Medical Expenses | Up to SI (90 days after discharge) |
| AYUSH Treatment | Up to SI |
| Domiciliary Hospitalization | Up to SI |
| Organ Donor Cover | Up to SI |
| Ambulance Cover | Up to SI |
| Cumulative Bonus* | 50% of Base SI per year, irrespective of claim, max up to 100%. |
| Unlimited Automatic Recharge* | Available for unlimited times for unrelated or the same illness from subsequent claims |
| Health Services | Doctor on chat, Healthy tips reminder, etc. |
| Discount Connect | Discounts on consultations, diagnostics, maternity etc, at our network |
*They are available for certain Sum Insured options and are subject to the underwriter’s terms.
Health insurance for fatty liver helps cover diagnostic tests, hospitalisation, and treatment related to liver complications, reducing the overall financial burden. Understanding the scope of coverage and exclusions allows individuals to make informed choices and avoid unexpected medical expenses.
Substance Abuse Treatment: Expenses related to treatment for alcohol or drug dependency are not covered.
Note: Coverage conditions and exclusions vary across plans. Always review the policy wording carefully to understand the scope of protection.
Buying health insurance online is quick, paperless, and convenient. Most insurers allow you to compare plans, customise coverage, and complete the purchase digitally.
When purchasing insurance for fatty liver, full disclosure of medical history is essential to avoid claim-related issues. Always review waiting periods, sub-limits, and network hospitals before finalising the policy.
When fatty liver treatment is medically necessary and covered under your policy, Care Health Insurance allows you to file a claim cashless at a network hospital or reimbursement at any hospital, as per policy terms.
| Step | Cashless Claim (Network Hospital) | Reimbursement Claim (Non-network Hospital) |
|---|---|---|
| Step 1 | Find a network hospital near you. | Visit any hospital and undergo treatment. |
| Step 2 | Fill out the pre-authorisation form at the hospital’s TPA/insurance desk. | Pay the hospital bill at discharge and collect all original bills and receipts. |
| Step 3 | Our claims team initiates the approval process upon receiving the request. Track status via the Care Mobile App. | Log in to www.careinsurance.com, fill out the claim form, and upload required documents (bills, reports, discharge summary, etc.). |
| Step 4 | Documentation and coordination are handled with the hospital’s TPA desk. | The claim team reviews the claim and may request additional documents if needed. |
| Step 5 | Upon discharge, the admissible amount is settled directly with the hospital in accordance with the policy terms. | Once approved, the claim amount is transferred to your bank account. In case of rejection, the reason is communicated. |
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
Health Insurance
Liver cirrhosis is generally treated as a severe pre-existing condition. Most insurers may decline new applications due to the high medical risk involved. It is advisable to check directly with the insurer for specific underwriting criteria.
Yes, Care Health Insurance covers a liver transplant after the required waiting period is served, per the policy terms and conditions.
Yes, if the treatment is medically necessary and covered under your policy terms, health insurance can cover hospitalisation, advanced procedures, and related medical expenses up to the sum insured, subject to waiting periods and exclusions.
Yes, if fatty liver is diagnosed before purchasing the policy, it will generally be treated as a pre-existing condition and covered after the applicable waiting period, as per policy terms.
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