Best Health Insurance for Genetic Disorders

What are Genetic Disorders?

Genetic disorders are medical conditions caused by abnormalities in regular DNA sequencing. They occur when a mutation (or harmful change) affects the genes of a person or if someone has the wrong amount of gene material. Genetic disorders can occur due to a mutation in single or multiple genes, damage to chromosomes, or a combination of gene mutation and environmental factors.

Some genetic disorders are caused by gene mutations inherited from parents and are present at birth. Such disorders can also be referred to as congenital diseases. On the other hand, people also acquire gene mutations during their lives, leading to genetic disorders. However, not all congenital diseases are genetic.

List of Common Genetic Disorders

Genetic disorders can either be monogenic, chromosomal or multifactorial disorders. Check out some of the most common genetic disorders as per their types:

Monogenic Disorders	Chromosomal Disorders	Multifactorial Disorders
Sickle cell disease Muscular dystrophy Cystic fibrosis Tay-Sachs disease Congenital deafness Neurofibromatosis type 1 (NF1) Hemochromatosis Familial hypercholesterolemia	Down syndrome Beta Thalassemia Turner syndrome Trisomy 13 FragileX syndrome Trisomy 18 Triple-X syndrome Klinefelter syndrome	Late-onset Alzheimer’s disease Isolated congenital heart defects Autism spectrum disorder Spina bifida Diabetes Arthritis Cancer Coronary artery disease Migraine headaches

Benefits of Buying Health Insurance for Genetic Disorders in India

Here are the key benefits of buying health insurance for genetic disorders in India:

High Incidence of Genetic Disorders in India

Genetic disorders have a very high prevalence in India. As per the Foundation of Research on Rare Diseases and Disorders, more than 7 crore people in India are affected by rare genetic disorders. Besides, chain smokers and people with excessive UV exposure, chemical exposure and radiation exposure can lead to a genetic disorder in their child. Given its high incidence, it is only prudent to buy a mediclaim insurance policy that safeguards against any potential medical expenditures resulting from a genetic disorder.
Comprehensive Coverage for Genetic Disorders

Treating a genetic disorder comes at a high cost. The patient needs to undergo several medical tests and get tailor-made medicines that can be expensive. Not to forget, regular visits to the doctor can easily add up to the overall costs. Moreover, if the doctor recommends surgery, the hospitalization and surgery expenses can quickly deplete their family’s savings. But with health insurance plans, people do not have to worry about paying these medical bills as they will be covered by their insurance company.

List of Health Insurance for Genetic Disorders in India

Take a look at the list of health insurance plans for genetic disorders in India:

Health Insurance Plans for Genetic Disorders	Sum Insured (₹)	Entry Age	Waiting Period
Aditya Birla Activ Health Plan	2 lakh to 2 crore	Adult: 18 years onwards (Up to 65 years under the Platinum Premier variant) Child: 91 days to 25 years	30 days
Bajaj Allianz My Health Care Plan	3 lakh to 5 crore	Adult: 18 to 65 years Child: 3 months to 30 years	2 years
Care Advantage Plan	25 lakh to 6 crore	Adult: 18 to 65 years Child: 91 days to 24 years	2 years
Cholamandalam Flexi Health Supreme Plan	50,000 to 5 crore	Adult: 18 to 75 years Child: 3 months to 26 years	2 years
Digit Health Insurance Plan	2 lakh to 3 crore	Adult: 18 years onwards Child: 91 days onwards	1 year, 2 years
Future Generali Health Vital Plan	5 lakh to 15 lakh	Adult: 18 to 60 years Child: 1 day to 25 years	30 days
HDFC ERGO Optima Secure3 Plan	5 lakh to 2 crore	Adult: 18 years onwards Child: 91 days to 25 years	30 days
ICICI Lombard Elevate Plan	5 lakh onwards	Adult: 18 years onwards Child: 91 days to 30 years	30 days
IFFCO Tokio Family Health Protector Plan	1.5 lakh to 30 lakh	Adult: 18 to 65 years Child: 1 day onwards	30 days
Liberty Health Connect Plan	2 lakh to 40 lakh	Adult: 18 to 65 years Child: 91 days to 25 years	1 year
Magma HDI OneHealth Insurance Plan	2 lakh to 3 crore	Adult: 18 years onwards Child: 91 days to 26 years	2 years
ManipalCigna ProHealth Insurance Plan	2.5 lakh to 1 crore	Adult: 18 years onwards Child: 91 days to 23 years	2 years
National Parivar Mediclaim Plus Plan	6 lakh to 50 lakh	Adult: 18 to 65 years Child: 91 days to 25 years	2 years
New India Assurance Floater Mediclaim Plan	2 lakh to 15 lakh	Adult: 18 to 65 years Child: 3 months to 25 years	3 years
Niva Bupa Health Recharge Plan	2 lakh to 95 lakh	Adult: 18 to 65 years Child: 91 days to 25 years	years
Oriental Happy Family Floater Plan	1 lakh to 50 lakh	Adult: 18 to 65 years Child: 1 day to 25 years	30 days
Raheja QBE Health QuBE Insurance Plan	1 lakh to 50 lakh	Adult: 18 to 65 years Child: 91 days to 25 years	30 days
Reliance Health Infinity Plan	3 lakh to 5 crore	Adult: 18 to 65 years Child: 91 days to 30 years	2 years
Royal Sundaram NeXT Gen Health Insurance Plan	5 lakh to 1.5 crore	Adult: 18 to 75 years Child: 91 days to 25 years	30 days
SBI Arogya Supreme Plan	1 lakh to 5 crore	Adult: 18 to 65 years Child: 91 days to 25 years	2 years
Star Comprehensive Insurance Plan	5 lakh to 1 crore	Adult: 18 years onwards Child: 3 months to 25 years	2 years
Tata AIG MediCare Premier Plan	5 lakh to 3 crore	Adult: 18 to 65 years Child: 91 days to 25 years	2 years
United India Family Medicare Plan	3 lakh to 25 lakh	Adult: 18 to 65 years Child: 91 days to 26 years	2 years
Universal Sompo Complete Healthcare Insurance Plan	1 lakh to 50 lakh	Adult: 18 to 75 years Child: 91 days to 25 years	2 years, 3 years
Zuno Health Insurance Plan	1 lakh to 1 crore	Adult: 18 to 65 years (No age limit under the Platinum variant) Child: 90 days to 26 years	30 days
Zurich Kotak Health Premier Plan	2 lakh to 2 crore	Adult: 18 years onwards Child: 91 days to 25 years	30 days

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Inclusions of Health Insurance for Genetic Disorders

Health insurance for genetic disorders includes the following coverage:

In-patient treatment
Pre-hospitalization expenses
Ambulance charges
Post-hospitalization expenses
OPD treatment
Day care procedures
Modern treatments
Non-medical expenses
Diagnostic tests cover
Pharmacy cover
Convalescence benefit
Home care treatment
Preventive health check-ups

Note: The coverage may vary from one health insurance plan for genetic disorders to another.

Exclusions of Health Insurance for Genetic Disorders

The following expenses are excluded under health insurance for genetic disorders:

Unproven treatments
Cosmetic or plastic surgery
Dietary supplements and substances
External aids and devices
Treatment taken outside of India

Tips to Lower the Risk of Genetic Disorders

Check out a few essential tips to reduce the risk of genetic disorders:

Follow a healthy diet rich in fresh fruits, leafy vegetables and lean protein
Avoid excessive smoking or consumption of tobacco-based products
Use umbrellas and sunscreens to protect against harmful UV rays
Undergo genetic testing to know the genes better
Exercise regularly to keep the body active
Avoid excessive consumption of alcohol
Meditate daily to manage the stress levels
Avoid consumption of medicines that can lead to disorders

FAQs

Q1. Are genetic disorders covered in insurance?

Ans: Yes. Health insurance companies in India cover the treatment cost of genetic disorders. However, some insurers may only provide coverage for internal genetic disorders. Thus, you must check the policy terms and conditions before buying.
Q2. Are all genetic disorders covered by health insurance?

Ans: No. Most health insurance plans cover internal genetic disorders only. Very few plans offer coverage for both internal and external congenital disorders. Hence, checking the policy document to know the exact coverage is advisable.
Q3. Does insurance cover genetic testing for heart diseases?

Ans: Yes. Most insurers cover the cost of genetic testing for heart diseases. However, it is best to check the exact coverage by contacting your insurance provider.

Health insurance companies

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in