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How Do Insurers Treat Genetic Conditions Like Cystic Fibrosis?

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Most insurers generally treat genetic conditions like cystic fibrosis as high-cost, chronic illnesses. They cover long-term treatments, including gene-based therapies and expensive CFTR modulators, under comprehensive health insurance plans. Insurers cannot deny coverage or charge extra for cystic fibrosis, even...

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How Does a Premium Calculator Actually Help Me Decide on a Plan?

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The health insurance premium calculator is a user-friendly, free online tool that enables individuals to estimate their policy premiums and choose the best plan. Instead of waiting for an agent to discuss or guessing the premium, you can get instant...

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Are Preventive Checkups Useful For Managing Asthma?

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Yes, preventive health checkups are highly useful and essential for managing asthma, even when major symptoms are under control. Proactive medical reviews, meaning regular checkups, can prevent severe asthma attacks as they monitor lung function and adjust treatment plans considering...

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Are Group Health Insurance Plans Enough, or Should I Buy Personal Cover?

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59% Indians rely on group health insurance, delaying personal cover premiums as it not only covers you but also covers medical treatment and hospitalisation for you and your family members.

But the employer buys group plans to cover a group of...

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What are Coverage Limits for Rheumatoid Arthritis?

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Rheumatoid Arthritis refers to a chronic autoimmune condition which causes pain, stiffness and irritation in the joints. It occurs when the body's immune system attacks its own tissue by mistake and ends up affecting the lining of the joints.

There are...

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What Outpatient Expenses Apply to Psoriasis?

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Psoriasis is a chronic immune-mediated condition driven by the IL-17 and IL-23 pathways, influenced by environmental factors and genetic predisposition. This disease results in skin itching and irritation. There is no permanent cure for psoriasis. Lifestyle adjustments and preventive measures...

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What is a Critical Illness Rider in Health Insurance?

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Health insurance covers hospital bills and medical expenses. However, some illnesses can create a heavy financial burden beyond the regular treatment costs. A critical illness rider adds extra protection to your base health insurance policy. It provides a lump-sum payout...

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What Outpatient Care Coverage is Available for Respiratory Conditions?

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Respiratory conditions like asthma, bronchitis, COPD (chronic obstructive pulmonary disease), and allergies affect millions of people worldwide. These conditions often require outpatient care such as regular doctor visits, medicines, tests, and sometimes therapy.

In this scenario, outpatient care coverage in health...

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How Does Ayushman Bharat Fit Into My Overall Health Coverage?

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Healthcare costs in India continue to rise. This is why many families are found to worry about hospital bills and emergency expenses in such a scenario. This is where government health insurance schemes like Ayushman Bharat come in.

However, it should...

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Does Insurance Include Physiotherapy For Multiple Sclerosis?

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Multiple sclerosis is a long-term condition that affects the brain and spinal cord. It can cause muscle weakness followed by balance problems, then stiffness, and difficulty walking. Physiotherapy plays a key role in managing these symptoms.

People with Multiple Sclerosis may...

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