List Of Diseases Covered By Aditya Birla Health Insurance

1. Cataract Surgery

Cataract is a condition that mostly affects individuals as they begin ageing.  A cataract clouds the affected person’s eye lens, which impacts their vision and may ultimately lead to blindness. To treat this ailment, usually, you need to undergo cataract surgery. The health insurance plans by Aditya Birla Health Insurance Company offer coverage for cataract surgery. However, make sure to check if a waiting period is applicable.

        2. Cancer

Cancer is one of the critical illnesses that has been affecting a significant number of people in India. Cancer treatment is generally a long process and can be very expensive. Certain Aditya Birla health insurance policies provide coverage for cancer on diagnosis and secure the treatment expenses.

        3. Accidental Injuries

You can rest assured when it comes to accident-related injuries as the health insurance plans by Aditya Birla Health Insurance Company safeguard the medical care expenses for such injuries. The policies shall cover expenses incurred due to in-patient treatment, diagnostic tests, post-hospitalisation, etc.

        4. Diabetes

Diabetes is a non-communicable disease (NCD) that many individuals suffer from. Without proper care, diabetes can result in further health complications like kidney failure, vision impairment, heart attack, etc. If you are diabetic, you can claim the healthcare expenses incurred for the treatment of this disease under certain Aditya Birla health insurance plans. These costs include medications, insulin shots, blood tests, diagnostic tests, doctor’s consultation fees, etc.

        5. COVID-19

The novel Coronavirus has impacted every country worldwide, leaving behind a financial burden on many affected individuals. As IRDA has mandated health insurers to provide coverage against COVID-19, you as a policyholder can easily seek coverage for the treatment of COVID-19 under Aditya Birla Health Insurance policies.

        6. Dengue

Another illness that is covered by Aditya Birla health insurance plans is dengue. The treatment and medical costs associated with the ailment can be easily claimed under your insurance plan.

        7. Heart-Related Diseases

Given the deteriorating and hectic lifestyle, many people in the country are falling prey to heart diseases. Such diseases can take a long time to cure, and the treatment of these heart diseases can cost a fortune. With the health insurance plans by Aditya Birla Health Insurance Company, you can get financial coverage for the treatment of various heart diseases.

        8. Critical Illness

Critical illnesses can be conditions that are life-threatening and may require treatment for a longer period of time. With Aditya Birla health insurance, you can gain coverage for many major ailments that may result in hefty medical bills. Some of these critical illnesses include kidney failure, brain tumours, etc. However, it is advised to check if any health insurance waiting period is applicable.

        9. Mental Illnesses

Mental illnesses, such as depression, schizophrenia, dementia, etc., impact the affected individual’s behaviour and thinking. The treatment of such illnesses usually lasts for a long time and hence, can be expensive. Some of the medical insurance plans by Aditya Birla Health Insurance Company provide financial coverage for the treatment of various mental illnesses.

1. Self-Inflicted Injuries

Health insurance plans will not cover any expenses resulting from self-inflicted injuries such as suicide attempts.

        2. Pre-Existing Conditions

In case you are suffering from any health conditions before buying an insurance plan, such conditions shall be considered as pre-existing conditions in health insurance. Any expenses related to treatment for such illnesses will not be covered by the insurer without completing the specified waiting period.

        3. Pregnancy

Any pregnancy-related costs such as childbirth, vaccination, complications resulting from the pregnancy, tests, etc. will not be covered under the plan.

        4. Cosmetic Treatments

Expenses resulting from implants or plastic surgery are not covered under health insurance. However, cosmetic treatment required in the event of an accident might be covered based on the policy.

        5. Sexually Transmitted Diseases

Health insurance does not cover the treatment cost of sexually transmitted diseases such as HIV/AIDS.

        6. Injury Due to Drug Abuse

The treatment cost of injuries resulting from alcohol or drug abuse is not included under the policy.

        7. Lifestyle Diseases

Medical insurance plans do not cover lifestyle diseases such as liver cirrhosis caused due to excessive drinking or such conditions.