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Health insurance for already having a disease.

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  • N Offline
    N Offline
    Neha
    wrote on last edited by
    #1

    My father already has a high BP issue, and he is taking medicine for that. Is there any health insurance available for someone who already has a disease?

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  • S Offline
    S Offline
    Siddarth
    wrote on last edited by
    #2

    Yes, your father can still have health insurance. Most policies require a waiting period of 2-4 years for pre-existing conditions. In this waiting period, the claims may not be recovered.
    Look into specialized plans like the Care Freedom Plan, Star Health’s Diabetes Safe, and Activ Health Platinum, which could offer immediate or partial coverage for your father even with a pre-existing health condition. 
    You can explore Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) as well. Thoroughly compare these options to select the most suitable plan.

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