Compare Health Insurance for High Cholesterol

What is High Cholesterol?

High Cholesterol is a medical condition in which the fat or lipid levels in the blood are high. Our body needs the right amount of cholesterol to build healthy cells. But if the cholesterol levels are high in the body, it can start accumulating in the blood vessels, in turn, blocking them. High cholesterol, also known as hyperlipidemia or hypercholesterolemia, often leads to high blood pressure, heart disease, stroke and other critical diseases.

For most people, high cholesterol is a result of poor lifestyle habits, such as eating excess fatty food, smoking, drinking alcohol, not exercising enough and being overweight. However, high cholesterol can also be genetic and caused by stress.

Moreover, high cholesterol has no symptoms and can only be detected through a blood test.

Benefits of Buying Health Insurance for High Cholesterol

Take a look at the key benefits of buying health insurance for high cholesterol:

Rising Cases of High Cholesterol in India

High cholesterol is extremely common in India, especially among the urban population. As per a survey by Healthians, 6 out of 10 people in India have abnormal levels of bad cholesterol, which is responsible for the blockage of blood vessels. Moreover, high cholesterol is most prevalent among young Indians between the ages of 31 and 40 years. As hyperlipidemia often leads to heart problems, it is essential for people to stay prepared for the financial implications of treating a heart disease. Buying a health insurance policy is the best way to tackle any medical expenditures resulting from high cholesterol without exhausting their lifelong savings.
Costly Medical Treatments

High cholesterol is responsible for several health diseases, including coronary artery diseases, high blood pressure, stroke, etc. The treatment for these diseases is extremely expensive and continues for a long time. As a result, high cholesterol patients can end up losing their life savings if they are diagnosed with such lifestyle and critical diseases. The only way to afford the best treatment without losing their finances is by buying a mediclaim insurance policy, as the insurance company pays for the treatment expenses.

Best Health Insurance for High Cholesterol

Check out the best health insurance plans for high cholesterol:

Health Insurance Plans for High Cholesterol	Sum Insured (₹)	Entry Age	PED Coverage for High Cholesterol
Aditya Birla Activ One Plan	2 lakh to 2 crore	91 days onwards	From day 1
Bajaj Allianz Health Care Supreme Plan	5 lakh to 50 lakh	90 days onwards	After 2 years
Care Supreme Plan with Instant Cover	5 lakh to 6 crore	90 days onwards	After 30 days
Cholamandalam Flexi Health Retail Plan	50,000 to 25 lakh	90 days to 65 years	After 3 years
Digit Health Insurance Plan	2 lakh to 3 crore	91 days onwards	After 1 year, 3 years
Future Generali Health Absolute Plan	3 lakh to 1 crore	1 day onwards	After 2 years
HDFC ERGO Optima Secure Plan	5 lakh to 2 crore	91 days onwards	After 3 years
ICICI Lombard Elevate Plan with JumpStart Cover	5 lakh onwards	91 days onwards	After 30 days
IFFCO Tokio Individual Health Protector Plan	50,000 to 20 lakh	91 days onwards	After 3 years
Kotak Mahindra Health Premier Plan	2 lakh to 2 crore	91 days onwards	After 2 years, 3 years, 4 years
Liberty Health Connect Plan	2 lakh to 40 lakh	91 days to 65 years	After 2 years, 3 years, 4 years
Magma HDI OneHealth Insurance Plan	2 lakh to 3 crore	91 days onwards	After 2 years, 3 years, 4 years
ManipalCigna ProHealth Prime Insurance Plan	3 lakh to 1 crore	91 days onwards	After 2 years, 3 years
National Mediclaim Plus Plan	2 lakh to 50 lakh	90 days to 65 years	After 3 years
New India Assurance Premier Mediclaim Plan	15 lakh to 1 crore	90 days to 65 years	After 3 years
Niva Bupa Aspire Plan	5 lakh to 3 crore	91 days to 65 years	After 2 years
Oriental Happy Family Floater Plan	1 lakh to 50 lakh	91 days to 65 years	After 4 years
Raheja Health QuBE Plan	1 lakh to 50 lakh	90 days to 65 years	After 4 years
Reliance Health Infinity Insurance Plan	3 lakh to 5 crore	91 days to 65 years	After 3 years
Royal Sundaram Multiplier Health Insurance Plan with ABCD Benefit	5 lakh to 25 lakh	91 days to 65 years	After 30 days
SBI Super Health Insurance Plan	3 lakh to 2 crore	91 days onwards	After 2 years
Star Health Premier Insurance Plan	10 lakh to 1 crore	91 days onwards	After 2 years
Tata AIG Health SuperCharge Plan with Advanced Cover	5 lakh to 20 lakh	91 days to 65 years	After 30 days
United Family Medicare Plan	3 lakh to 25 lakh	91 days to 65 years	After 4 years
Universal Sompo Supreme Healthcare Plan with Instant Cover	5 lakh to 6 crore	90 days onwards	From day 1
Zuno Health Insurance Plan	1 lakh to 1 crore	91 days onwards	After 2 years, 3 years, 4 years

See More Plans

Inclusions of Health Insurance for High Cholesterol

Health insurance for high cholesterol includes the following coverage:

In-patient hospitalization
OPD treatment
Road ambulance charges
Day care treatments
Modern treatments
Non-medical expenses
Chronic disease management programs
Health check-ups

Note: The coverage may vary from one health insurance for high cholesterol plan to another.

Exclusions of Health Insurance for High Cholesterol

The following coverage are excluded by health insurance for high cholesterol:

Non-allopathic treatment
Obesity and weight control procedures
Treatment for alcohol or substance addiction
Unproven treatments
Treatments availed outside of India
Artificial life maintenance

Tips to Lower Blood Cholesterol Levels

Here are some essential tips to reduce the cholesterol levels in the blood:

Reduce the consumption of fast food that contains high amounts of saturated fats and trans fats
Eat less fried and processed food
Consume a balanced diet rich in whole grains, fruits and vegetables
Exercise regularly to lower fat levels in your body
Avoid consuming food with high sodium content
Stop smoking and consuming tobacco products
Lower the consumption of alcohol to keep your cholesterol levels under control
Practice meditation and yoga to manage your stress levels

FAQs

Q1. Is high cholesterol covered by insurance?

Ans: Yes. All health insurance companies in India cover high cholesterol. While some insurers offer coverage from day 1, others cover it after a waiting period.
Q2. Does high cholesterol affect health insurance?

Ans: If you have high cholesterol, insurance companies will charge you a higher premium as you are more likely to file a health insurance claim in future than people who are absolutely healthy.
Q3. Does health insurance cover cholesterol medication?

Ans: If your health insurance for high cholesterol policy has OPD cover, it will pay for your cholesterol medications.
Q4. Is high cholesterol a pre-existing condition?

Ans: If you have been diagnosed with high cholesterol before buying a health policy, insurance companies will consider it a pre-existing medical condition. However, all insurers cover pre-existing high cholesterol after a waiting period, with some plans offering coverage from day 1.
Q5. Is cholesterol test covered by health insurance?

Ans: If your health insurance policy comes with an OPD benefit, then it will cover the cost of blood tests to check cholesterol levels

Health insurance companies

View more insurers

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