Arthritis is a health condition that affects almost 180 million people in India. People diagnosed with arthritis experience sudden episodes of pain in the joints, which makes it even more challenging to deal with during travelling. It causes inflammation in the joints and stiffness in the muscles and affects a person's ability to move. Although it mostly affects people belonging to older age, it can affect persons of all age groups. So, including coverage for arthritis in your health insurance policy for yourself and your parents becomes imperative.
The majority of insurance providers offer health and travel insurance policies that cover arthritis. Here, we will decipher does health insurance cover arthritis.
Is Arthritis covered by Health Insurance
Yes, health insurance companies in India cover arthritis. Some important aspects of this coverage include the following -
- The health insurance coverage includes treatment for rheumatoid arthritis, osteoarthritis, gout, and psoriatic arthritis.
- Arthritis gets covered under pre-existing disease conditions, but a few health insurance plans may not cover it, or there may be certain restrictions like waiting periods or higher premiums. So, check with your insurer and read the policy document carefully.
- Health insurance covers the medical costs related to therapies and treatment.
One should also consider a travel insurance plan that covers arthritis, as it is a health condition that may make it difficult for a person to travel; a person may even require special accommodations. Moreover, a travel insurance plan for arthritis helps you cover costs related to trip cancellations or interruptions due to health issues associated with the condition, like joint pain and flare-ups. It will also cover costs related to complications/treatment required while travelling and even emergency medical evacuation.
Conclusion
Here, we have dealt with does health insurance cover arthritis and how it impacts an individual. Arthritis is a medical condition that requires medical attention as it causes sudden pain, which at times becomes unbearable to manage. It might become a cause of financial burden in the absence of an appropriate health insurance plan. So compare various plans and choose one wisely.