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Health Insurance for Hepatitis B provides a vital financial shield against the costs of liver treatment, including hospital stays, consultations, screenings, home care, and critical services such as transplants or cancer therapy. Delaying coverage may lead to higher premiums or exclusions. Early Care Health Insurance safeguards your health and savings.
Reasons to Choose Care Health Insurance?
No Pre-Policy Medical Check-up
Pre-& Post-Hospitalisation
Day Care & Modern Treatments
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Annual Health Check-ups
Hepatitis B is a serious liver infection caused by the hepatitis B virus (HBV), transmitted through blood, sexual contact, or from mother to child. Symptoms of Hepatitis B include fatigue, nausea, abdominal pain, and jaundice, but many have no symptoms. While not fully curable, vaccination prevents infection, and antiviral treatments help manage chronic cases. Many rely on health insurance for ongoing care.
Most health insurance plans in India that cover Hepatitis B provide comprehensive hospitalisation coverage. This typically includes the costs of doctor consultations, necessary diagnostic tests, and treatment for severe, related complications.
Although Hepatitis B is viral, individual health insurance coverage is crucial if the infection's symptoms or signs progress or worsen. While a comprehensive cure for Hepatitis B does not currently exist, this type of insurance is vital for the effective management of chronic cases.
Hepatitis B treatment in India is affordable due to low-cost generics, but total costs vary by disease severity, hospital type, and location.
Did you know? Care Health Insurance offers an annual health check-up for insured persons aged 18 and above, including tests such as CBC, kidney function, blood sugar, lipid profile, and ECG, which can help detect early signs of liver stress and support preventive care, reducing the risk of costly complications.
Purchasing health insurance in India is essential for Hepatitis B patients, as it helps cover treatment costs and routine check-ups. Early identification of Hepatitis B symptoms, along with insurance coverage, can help prevent complications and ease financial strain.
Health Insurance for listed pre-existing diseases
The following groups should consider hepatitis B coverage to ensure timely treatment, preventive care, and financial protection against potential liver complications.
Important Note: Health insurance for Hepatitis B provides financial protection and access to preventive services, though policies may entail waiting periods, coverage limits, and exclusions. It's important to carefully review the terms to maximise your benefits.
Care Health Insurance for Hepatitis B provides customised coverage to handle treatment expenses, diagnostic tests, and preventive measures, ensuring patients have financial security and prompt access to medical services.
| Sum Insured- on an annual basis (in ₹) | 3 Lakh | 5 Lakh | 7 Lakh / 10 Lakh |
|---|---|---|---|
| In-Patient Care | Up to Sum Insured | ||
| Day Care Treatment (for selected ailments) | Up to Sum Insured | ||
| Recharge of Sum Insured | 100% of Original SI upon exhaustion of SI | ||
| Annual Health Check-up | Annually | ||
| AYUSH Treatment | Up to Sum Insured | ||
| Consumable Allowance (Max. 7 days per hospitalisation covered after 3 days) | ₹750 per day | ₹1000 per day | |
| Companion Benefit (if hospitalisation exceeds 10 days) | ₹10,000 | ₹15,000 | |
| Pre-hospitalisation and post-hospitalisation expenses | Up to 7.5% of payable hospitalisation expenses | Up to 10% of the payable hospitalisation expenses | |
| Ambulance Cover | Up to ₹1000 per hospitalisation | ||
| Domiciliary Hospitalisation | Up to 10% of the Sum Insured is covered after 3 days | ||
| Dialysis Cover | Up to ₹1000 per sitting, limited to 24 consecutive months | ||
| Tenure | 1 year / 2 years / 3 years | ||
Important Note: This policy is part of Care Freedom, including dialysis coverage—crucial for Hepatitis B patients with liver and kidney issues. Other plans vary in benefits, waiting periods, and exclusions, so review policies carefully to find the best fit.
Health insurance for Hepatitis B covers treatment, diagnostics, and prevention, helping to lower costs. Understanding what is included and excluded enables patients to make informed decisions and avoid unexpected expenses.
Mandatory Disclosure: Health insurance coverage varies by policy, and benefits are subject to specific terms, conditions, waiting periods, and exclusions. It is crucial to thoroughly review the policy document before buying to understand the precise coverage, limitations, and claims process.
To qualify for Hepatitis B health insurance coverage, applicants must meet certain requirements regarding age, current health status, and adherence to specific policy guidelines. Below are the key eligibility conditions.
| Feature | Details |
|---|---|
| Minimum Entry Age | Individual Plan: - 5 Years (for SI 3 or 5 Lakh) - 46 Years (for SI 3/5/7/10 Lakh) Family Floater Plan: - 91 days (with at least 1 member 18+ for SI 3 or 5 Lakh) - 91 days (with at least 1 member 46+ for SI 3/5/7/10 Lakh) |
| Maximum Entry Age | Adult: No Age Limit | Child: 24 Years |
| Renewal | Lifelong |
| Pricing | Zone 1: Delhi NCR, Surat, Mathura, Aligarh Zone 2: Telangana, Mumbai (MMR), Ahmedabad, Vadodara, Nashik Zone 3: Pune, Indore, Bengaluru Urban, Rest of Gujarat Zone 4: Rest of India |
| Co-payment | - 20% for all customers enrolling in the policy - 30% for all customers enrolling after attaining Age >= 71 years |
| Initial Wait Period | 30 Days for all illnesses except accidental injury |
| Named Ailment Wait Period | 24 months |
| Pre-existing Disease Wait Period | 24 months |
Important Note: The eligibility criteria listed above apply to Care Freedom and may differ for other policies. These criteria may vary based on plan details, health history, and Hepatitis B coverage. Therefore, it is important to review the policy wording thoroughly before making a decision.
When selecting Hepatitis B health insurance, evaluate policy features, waiting periods, and coverage to ensure support for treatment and ongoing care. Understanding these helps choose a plan with true protection.
Note: Selecting health insurance for Hepatitis B is most effective if diagnosed after obtaining the policy, particularly with the Care Freedom and Care Supreme Shine plans. Coverage varies based on the policy’s waiting periods, terms, conditions, and exclusions, so it is important to review these details thoroughly before purchasing.
Purchasing Hepatitis B health insurance online is quick, paperless, and accessible from any device with internet access, simplifying the process of finding the right coverage. Most providers enable you to compare, customise, and buy plans digitally.
When buying Hepatitis B health insurance online, accurately disclose your medical history and existing conditions to avoid claim denials. Review waiting periods, coverage limits, sub-limits, and network hospitals in advance to avoid surprises when filing claims.
Whether you’re looking for cashless or reimbursement settlement for Hepatitis B treatment costs, the basic process in India resembles that of general health insurance claims:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Inform Your Insurer Early: Contact the insurer or TPA as soon as possible after hospitalisation, or before a planned admission. | Get Treated Anywhere: Treatment is available at any hospital, regardless of network status. |
| Choose a Network Hospital: Visit a hospital in your insurance provider's network to access the cashless facility. | Collect All Documents: Ensure you retain all original documents related to your Hepatitis B treatment, including bills, the discharge summary, prescriptions, test reports, and receipts. |
| Complete Pre-Authorisation: To initiate a pre-authorisation request with the insurer, the hospital or Third-Party Administrator (TPA) requires your insurance card, identification, and the doctor's recommendation. | Submit Claim Form: Submit the completed reimbursement claim form and all required documentation to the insurer or Third Party Administrator (TPA). This must be done within the time limit specified by your policy. |
| Claim Verification: Before granting approval, the insurer or Third-Party Administrator (TPA) reviews the policy for details such as coverage limits, waiting periods, and the specific inclusion of Hepatitis B treatment. | Follow-up: The insurer reviews your documents and may request additional information before approving or rejecting them. |
| Approval & Payment: Upon approval, the insurance company will directly cover the cost of your treatment with the hospital. You will only be responsible for paying for items not covered under your policy. | Settlement: Once verification is complete, the reimbursed amount will be credited directly to your bank account within the specified timeframe. |
Important Note: Always notify your insurer immediately, safeguard all medical records, and understand your policy details—particularly waiting periods and coverage limits—to prevent delays or claim rejections, especially for Hepatitis B treatments that require ongoing care or diagnostics.
To maximise your Hepatitis B health insurance benefits, keep these points in mind:
Did you know? Worldwide, just a small percentage of individuals with chronic Hepatitis B are aware of their condition. This underscores the importance of having individual and family health insurance that covers regular health check-ups and preventive care. Explore plans now
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Cashless Healthcare Provider^^
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Insurance Claim Settled
96.95%
Claim Settlement Ratio
15 Crore+
Lives Covered Since Inception
24 X 7
Claim Support
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
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Health Insurance
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Health Insurance
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Vaibhav Rai
Health Insurance
Many health insurance plans in India cover Hepatitis B treatment and hospitalisation, but coverage depends on policy terms, including waiting periods for pre-existing conditions and exclusions.
No, there is currently no definitive 100% cure for chronic Hepatitis B, but treatments can suppress the virus.
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Care Freedom: UIN - RHIHLIP21519V022021
Disclaimer: Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of Dec 2025
The premium is calculated for an insured individual (18) who opts for a sum insured of 5 lakh in a zone 3 city with add-ons that impact the premium reduction.
**Number of Claims Settled as of Dec 2025
~~Claim Settlement Ratio for the period April 2025 to Dec 2025
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