Health Insurance for Rheumatoid Arthritis
  • About Rheumatoid Arthritis (RA)
  • Best-selling Health Plans for RA
  • Successfully Managing RA
Health Insurance for Rheumatoid Arthritis
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Rheumatoid Arthritis: Partnering with Health Insurance for a Brighter Future

Any kind of discomfort in the body is very irritating. Tender, warm, swollen joints, joint stiffness, fatigue, fever, and loss of appetite - have you ever felt any of these? Yes, these are the symptoms of rheumatoid arthritis. It can cause severe pain and require high-end, expensive treatment procedures. Health insurance for rheumatoid arthritis can be your safeguard during hard times.

Now you must be thinking...

What is Rheumatoid Arthritis?

Rheumatoid arthritis is a chronic autoimmune disease that attacks the joints. This condition is caused when our immune system which normally fights infection, mistakenly targets healthy tissues in your joints. It primarily affects joints but can also impact other body systems like the heart, lungs, and eyes. This problem does not have any cure. With health insurance, you can manage the symptoms.

Check out the best health insurance plans that cover rheumatoid arthritis.

Health insurance plans that cover Rheumatoid Arthritis

Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.

Unique Features

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

Energy Diabetes Policy (Pros)

  • In- Patient Hospitalization
  • No Waiting Period for Diabetes
  • Restore Benefit
  • Cumulative Bonus
  • Pre and Post Hospitalization

Energy Diabetes Policy (Cons)

  • 2 Year Waiting Period
  • Abuse of Intoxicant Not Covered
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • Pregnancy Not Covered

Energy Diabetes Policy (Other Benefits)

  • Monthly Newsletter
  • Organ Donor Benefit
  • Earn Rewards for Staying Healthy
  • 25% Discount On Renewal
  • 2 Variant Options(Silver,Gold)

Energy Diabetes Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 2 Years

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

Care Freedom (Pros)

  • Cashless Healthcare
  • No pre-policy check-ups
  • SI Recharge
  • Lifelong Renewability
  • 15-day free-look period

Care Freedom (Cons)

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

Care Freedom (Other Benefits)

  • 2 Plan variants
  • Consumable Allowance
  • Annual Health Check-up
  • Long Term Discounts
  • Dialysis Cover

Care Freedom (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 3 to 10 L
  • Waiting Period - 30 Days

Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Care Advantage (Pros)

  • Automatic Recharge
  • High SI
  • 50% No Claim Bonus
  • Ambulance Cover
  • Optional Cover Available

Care Advantage (Cons)

  • 20% Co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Advantage (Other Benefits)

  • 5 L Air Ambulance Cover
  • Reduction in PED Waiting period
  • Co-pay Waiver
  • Annual Health Check-up
  • Room rent modification

Care Advantage (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 25 L to 6 Cr
  • 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
  • 2X multiplier benefit
  • 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

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Special Care Policy (Pros)

  • Modern Treatment Available
  • Day Care Procedures Available
  • Ambulance cover
  • Room rent cover
  • Shared Accommodation cover

Star Special Care Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Diseases

Star Special Care Policy (Other Benefits)

  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Special Care Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 3 L
  • Waiting Period - 30 Days

How to treat Rheumatoid Arthritis?

  • Medications

    Medicines like nonsteroid anti-inflammatory drugs, corticosteroids, disease-modifying antirheumatic drugs, etc. are prescribed to cure inflammation. The monthly cost for these medicines is approximately INR 10,000 to 30,000, per dosage.
  • Occupational Therapy

    Using assistive devices, and performing daily activities is possible without aggravating symptoms.
  • Surgery

    In severe cases, surgery becomes the only option. It will help in regaining mobility and alleviating the pain. Some of these include - arthroscopy in which extra tissues will be removed, decompression surgery, synovectomy to remove the disease's synovial lining, surgery to repair damaged tendons and ligaments, and arthroplasty to restore the function and fix the deformities.

FYI- These are the general opted treatments by the doctors for Arthritis. Contact your healthcare expert in case you feel any symptoms.


  • Joint pain
  • Joint swelling
  • Stiffness in joint
  • Tender to touch the joint areas
  • Fatigue

How to Reverse RA Condition?

Rheumatoid arthritis is an autoimmune condition, which is non-curable. But there are a few steps that you can follow to avoid symptoms, which are:

  • Getting diagnosed early can help you with the management of this disease.
  • Go for proper treatment, it will slow the disease progression.
  • Take proper medications, routinely as prescribed by the doctor.
  • Physical and occupational therapy can help you with joint flexibility, strength, and range of motion.
  • Maintain proper weight. Excess weight puts additional stress on your joints.
  • Practising daily exercises like swimming, walking, etc. will be helpful.


Rheumatoid arthritis can be a challenging condition but with suitable health insurance, early diagnosis, and a combination of treatments, managing the condition will become easier. You can manage your symptoms and maintain a good quality of life. Also, this article is for information purposes only. Consult a doctor if you feel uneasy and have pain in your joints.

For any information related to health insurance, you can reach out to PolicyX. Our expert advisors will guide you accordingly.

Health Insurance for Rheumatoid Arthritis: FAQ's

1. What are some of the benefits of having health insurance for Rheumatoid Arthritis?

Treatment for Rheumatoid Arthritis is a long-term process. Having health insurance can give financial protection against the expenses for the treatment.

2. What should I look for in a health insurance plan when suffering from Rheumatoid Arthritis?

Look for a plan that covers autoimmune diseases. Also, check the coverage they are giving.

3. What is the waiting period for RA?

Initial waiting period is 30 days for every plan, but for RA you need to check for the plan and talk to the insurer for more details.

4. How can I manage the cost of RA treatment even with health insurance?

Understand your disease, discuss cost-effective treatment options, and try to keep yourself healthy, this way it will be easy for you to manage RA with health insurance.

5. Is Rheumatoid Arthritis covered by health insurance in India?

Yes, rheumatoid arthritis is an autoimmune disease, many health insurance plans cover RA under autoimmune disease coverage like Care Freedom, Niva Bupa ReAssure 2.0, etc.

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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.