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Looking for arthritis travel insurance and health insurance from a reputed insurance provider? This blog will help you choose the best one as per your needs. Did you know arthritis affects over 180 million people in India? The prevalence of arthritis is even higher than the most well-known diseases, such as diabetes, cancer, and AIDS.
Arthritis is unpredictable, and there are chances of you experiencing sudden pain and discomfort in your joints, especially while travelling. As a result, patients with arthritis often face hindrances while travelling abroad. Arthritis travel insurance can help patients in covering sudden expenses while travelling.
Apart from medical travel insurance, patients can also benefit by investing in health insurance for arthritis. Health insurance covers the expenses incurred on arthritis treatment, relieving people from its financial burden. Several companies in India offer health and travel insurance for arthritis treatment coverage. Continue reading to know more about the services included in these insurance plans.Arthritis is a common health condition that affects millions of people worldwide. It is characterised by joint inflammation, pain, stiffness, and reduced mobility. While arthritis is typically associated with old age, it can also affect people of all ages, including children.
While it is possible to manage the symptoms of arthritis with proper medical treatment and lifestyle changes, there may be times when unexpected health issues arise. This is why it is important to have health and travel insurance if you have arthritis.
Health Insurance for Arthritis:
Arthritis Travel Insurance:
There is a sizeable difference in the arthritis treatment cost in India compared to other countries. However, medical expenses are constantly rising in India as well. As a result, several people find it difficult to avail of quality treatment due to its huge costs.
The cost of arthritis treatment in India without insurance ranges between ₹ 50,000 to ₹ 4,50,000. Besides the surgical expenses, other costs include the following:
Several companies offer health insurance for arthritis but with different conditions. Since it is a pre-existing condition, coverage for the ailment is provided after a specified waiting period. Health insurance companies in India that cover arthritis include:
Currently, health insurance is one of the most needful insurance policies, given the increased health problems at an early age and the rising treatment costs.
With several health plans available in India, it is important to assess your healthcare requirements while purchasing a policy. Some tips for choosing health insurance for arthritis include:
Claims for arthritis health insurance may either be cashless or reimbursement, depending on the hospital where treatment was performed. You could file a cashless claim if you were hospitalised in a network hospital.
However, you need to file a reimbursement claim if you were hospitalised in a non-network hospital.
The steps for filing a cashless claim include the following:
The steps for filing a reimbursement claim include the following:
In case you got coverage for severe rheumatoid arthritis under a critical illness plan, the insurer will offer a lump sum amount on the diagnosis of the condition.
Most travel insurance companies do not offer travel health coverage for pre-existing conditions unless purchased as an add-on cover. Since arthritis is a pre-existing condition, patients must buy an add-on cover for insurance benefits.
Travel insurance companies that offer arthritis coverage under the basic plan or as an add-on coverage after paying an additional premium include:
Complications do not arrive with prior notice. Therefore, securing yourself and your loved ones is vital before setting foot in another country. If you are going on an international trip for the first time, you may be confused about which insurance plan to choose.
You should consider the following factors when choosing arthritis travel insurance.
The claim procedure for arthritis travel insurance is similar to the claim process for health insurance. Follow the steps given below to file a claim under travel insurance:
Cashless claims can only be made if you or your loved ones get hospitalised in a network hospital of the insurance company.
Arthritis affects a vast population in India every year. The huge costs of arthritis treatment can become a financial burden without an appropriate health insurance plan. Furthermore, the condition can worsen while travelling, causing joint pain and discomfort. Getting treatment for arthritis abroad is not something you would enjoy on an already expensive trip. This is why getting arthritis travel insurance is a good option for arthritis patients. Travel and health insurance for arthritis offer the primary benefit of lowering your costs incurred on the treatment.
Confused about which plan to buy? Talk to a HexaHealth expert to know the features and benefits of various plans for arthritis coverage. Our team will help you choose the plan that best caters to your need. Furthermore, we will connect you with the best network hospitals and doctors to help you benefit from cashless claims. So what are you waiting for? Get in touch with us TODAY!
To read more on health insurance plans, visit the following links:
Patients with arthritis can face issues such as swollen joints, cartilage breakdown, and aching muscles while travelling. If you suffer from this condition, you need arthritis travel insurance to travel to your favourite places, being fully covered while seeking medical attention abroad.
The plan can help you enjoy your trip without worrying about medical expenses.
Yes, several types of arthritis, including rheumatoid arthritis, osteoarthritis, gout, and psoriatic arthritis, are covered by health insurance in India. Since arthritis is a chronic condition and its treatment can be expensive, it is better to invest in health insurance for arthritis.
Different plans cover arthritis under different conditions. Therefore, you should talk to your provider before buying a policy.
Healthcare expenses in India are rapidly growing. The major benefit of health insurance for arthritis is removing the financial burden from the patient’s shoulder during a medical emergency. Benefits that you can claim under health insurance plans include:
Rheumatoid arthritis is an autoimmune disease in which your body’s immune system mistakenly attacks its own cells. Several health insurance plans in India offer health insurance for autoimmune diseases, with a sum insured ranging between ₹ 1 lakh to above ₹ 1 crore. Some of the best insurance for rheumatoid arthritis in India include:
Questions that you must ask while buying rheumatoid arthritis insurance coverage in India include:
Arthritis is a pre-existing chronic condition. Since most visitor health insurance plans do not cover pre-existing or chronic conditions, choosing a plan that does not exclude chronic conditions is important.
Things that you should remember while purchasing visitor health insurance for arthritis include:
Yes, some insurance companies cover the treatment of psoriatic arthritis in India. Aditya Birla Health Insurance covers treatment for arthritis, including psoriatic arthritis, as a specified disease.
The treatment for psoriatic arthritis under the plan is covered after 24 months of continuous coverage from the policy inception date.
The following are the advantages of having visitor’s insurance with arthritis coverage:
The inclusions and exclusions under arthritis travel insurance differ from one plan to another. While some plans do not cover pre-existing diseases, others include arthritis as a pre-existing disease.
Travel insurance with arthritis coverage will consider it a pre-existing disease only when it existed for up to two years before obtaining the insurance.
Yes, you must declare arthritis as a pre-existing condition when choosing a travel insurance policy. It is best to declare all your medical conditions on travel insurance.
Failure to declare arthritis or other medical conditions can render your valid invalid. As a result, you could not avail of the required medical assistance under the plan.
Several insurance companies require policyholders to undergo a pre-medical check-up before they buy the policy. The insurance premium is based on the test results.
Since some companies do not offer coverage for pre-existing diseases at all or until a specified waiting period, there are chances that the provider may refuse to offer the policy due to unfavourable results.
Last Updated on: 25 March 2023
MBBS, DNB General Surgery, Fellowship in Minimal Access Surgery, FIAGES
12 Years Experience
Dr Aman Priya Khanna is a well-known General Surgeon, Proctologist and Bariatric Surgeon currently associated with HealthFort Clinic, Health First Multispecialty Clinic in Delhi. He has 12 years of experience in General Surgery and worke...View More
MSc. Clinical Research I PG Diploma in Public Health Services Management
3 Years Experience
His work in medical content writing and proofreading is noteworthy. He has also contributed immensely to public health research and has authored four scientific manuscripts in international journals. He was assoc...View More