Health Insurance for Congenital Diseases
  • What are congenital diseases?
  • Health insurance for congenital diseases.
  • Types of congenital diseases
Health Insurance for Congenital Diseases
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Understanding Everyday Challenges for Congenital Diseases

Everyone asks us to eat healthy to stay healthy. We are thankful that we were born healthy and living a healthy lifestyle. But, many people do not get this kind of privilege. They are born with some kind of disease. Some have heart problems by birth, some are born with Down's syndrome, some have hypothyroidism and many more. These conditions are known as congenital diseases. Let us understand their kinds and health plans for congenital diseases.

What are Congenital Diseases?

Congenital diseases are those diseases that happen to be genetic. These diseases are also known as congenital disorders or congenital anomalies. These conditions can result from the factors that might occur during the development of the fetus. The reason can be anything, it can be genetics, exposure to certain substances or infections during the time of pregnancy.

Congenital diseases might affect any part of the body of a baby like the heart, bones, muscles, or the nervous system. Although the severity of the condition can vary from person to person, every disease needs proper treatment. The treatments sometimes include a multidisciplinary approach which can easily drain your hard-earned savings. Sometimes, the patient has to undergo surgical procedures to get rid of the disease.

What are the Types of Congenital Diseases?

There are various types of congenital diseases that you may find in people. Some are as follows:

  • Congenital Heart Defects

    When there are abnormalities in the structure or function of the heart such as Atrial Septal Defect, Ventricular Septal Defect or Tetralogy of Fallot it is known as a congenital heart defect.
  • Cleft Lip Palate

    You might have met with so many people with different or irregular-shaped lips. This is the facial malformation due to which you can see an opening or gap in the upper lip or roof of the mouth.
  • Spina Bifida

    A neural tube defect where the spinal cord and spine do not properly close during fetal development.
  • Down Syndrome

    In this scenario, people are not able to grow intellectually. They might get distinctive facial features and other health issues. This genetic disorder is caused by the presence of an extra chromosome 21.
  • Cystic Fibrosis

    A genetic disorder that affects the lungs and digestive system. This leads to thick, sticky mucus production and patients might deal with frequent lung infections.
  • Club Foot

    It is a deformity of the foot where the feet of the patients turn inwards and downwards.
  • Congenital Hip Dysplasia

    In this condition, the hip joint does not develop properly, leading to instability and potential dislocation.

These are only some of the examples of common congenital diseases. However, these diseases can vary in severity, and the treatments available.

Does Any Health Insurance Plan Cover Congenital Diseases in India?

Yes, many health insurance plans offer coverage for congenital diseases.

A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.

Unique Benefits

  • 200% increase in cumulative bonus
  • Rewards for being fit
  • Dental and Ophthalmic cover

Care Plus (Pros)

  • Unlimited Recharge Benefit
  • High Sum Insured
  • Cover up to 6 family members
  • Up to 200% No Claim Bonus
  • 10% renewal discount

Care Plus (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Plus (Other Benefits)

  • 5% Digital Discounts
  • Annual health check-up
  • Unlimited e-consultations
  • Health Services Available
  • Air Ambulance Cover

Care Plus (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
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  • 100% SI restoration

Optima Restore Policy (Pros)

  • Daily Hospital Cash
  • Ambulance Cover
  • Modern Treatment
  • Lifetime Renewal
  • Pre and Post Hospitalization

Optima Restore Policy (Cons)

  • No Dental Cover
  • No Maternity Cover
  • No Non-Allopathic treatment
  • Pre-Existing Diseases after 3 yrs
  • Alcoholism not covered

Optima Restore Policy (Other Benefits)

  • Sum Insured Enhancement
  • Tax Benefit
  • E-Opinion
  • 10% Family Discount
  • 7.5% discount on 2 years premiums

Optima Restore Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

  • No room rent capping
  • 100% SI restoration
  • E-opinion for 51 illnesses

Optima Secure Policy (Pros)

  • Secure Benefit
  • Plus Benefit
  • Automatic Restore Benefit
  • No room capping
  • Covid - 19 Cover

Optima Secure Policy (Cons)

  • Adventure Sports Injuries
  • Injuries Out of War
  • Death due to breach of law
  • Congenital Diseases
  • Alcoholism

Optima Secure Policy (Other Benefits)

  • Day Care Treatments
  • Road Ambulance Cover
  • Air Ambulance Cover
  • E-opinion
  • Organ Donor Cover

Optima Secure Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 5 L to 2 Cr
  • Waiting Period - 30 Days

How to Prevent Congenital Diseases?

Prevention of congenital disease can be done during the time of pregnancy. So if you are a pregnant mother, then you must take care of a few things to reduce the risk of your child being born with a congenital disorder.

  • Take vitamin-rich vegetables and fruits.
  • Maintain a healthy body mass index.
  • Try to consume folic acid as per the advice of your doctor.
  • If you are dealing with diabetes, then you need to keep it under control.
  • Try avoiding medicines that trigger disorders.
  • Do not use tobacco, alcohol or any related products during the pregnancy period.
  • Avoid coming in contact with lead and pesticides.
  • Avoid visiting places where there are risks of infections.

Bottom Line

Unfortunately, congenital diseases can happen to any newborn during the time of birth and make them suffer throughout their entire life. To deal with this problem medically and live a healthy life, you need to spend a lot of your financial savings. However, having a health insurance policy for congenital diseases can save you from going through a financial drain. If you are an expecting mother, then you need to take care of yourself a lot. It is believed that if a mother is healthy and happy, then a baby will be super healthy.

For any other details regarding health insurance plans, you can call our health insurance experts today.

Health Insurance for Congenital Diseases: FAQ's

1. How do congenital diseases affect the individual?

Congenital diseases can affect their physical, intellectual, and emotional well-being. The severity of the effects might vary depending on the conditions, ranging from mild to severe.

2. What are the common types of congenital diseases?

Some common types of congenital diseases are:

  • Heart defects
  • Cleft lip
  • Spina bifida
  • Down syndrome
  • Cystic fibrosis
  • Clubfoot

3. Can congenital diseases be prevented?

Congenital diseases can be prevented during pregnancy. They need to maintain a healthy lifestyle, taking prenatal vitamins, avoiding harmful substances and taking proper care.

4. What role does genetics play in the development of congenital diseases?

Genetics play a significant role in the development of congenital diseases. These diseases are caused by genetic mutations or abnormalities. These can be generated from either one or both parents.

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Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.