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Prem Anand
Prem Anand
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Prem Anand
10 + years Experienced content writer specializing in Banking, Financial Services, and Insurance sectors. Proven track record of producing compelling, industry-specific content. Expertise in crafting informative articles, blog posts, and marketing materials. Strong grasp of industry terminology and regulations.
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Prem Anand Reviewed by
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Prem Anand
Founder and CEO
Gurumoorthy Anthony Das
With over 20 years of experience in the BFSI sector, our Founder & MD brings deep expertise in financial services, backed by strong experience. As the visionary behind Fincover, a rapidly growing online financial marketplace, he is committed to revolutionizing the way individuals access and manage their financial needs.
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Last updated on: July 17, 2025

Compare & Apply Best Health Insurance Providers in India

Star Health

Star Health

  • Min Premium – ₹ 3600/year
  • Network Hospitals – 14,000+ hospitals
  • Claim Settlement Ratio – 82.3%
Get Quote
Future Generali

Future Generali

  • Min Premium – ₹ 4544/year
  • Network Hospitals – 6300+ hospitals
  • Claim Settlement Ratio – 98.1%
Get Quote
HDFC Ergo

HDFC Ergo

  • Min Premium – ₹ 6935/year
  • Network Hospitals – 13,000+ hospitals
  • Claim Settlement Ratio – 97–98%
Get Quote
Manipal Cigna

Manipal Cigna

  • Min Premium – ₹ 6600/year
  • Network Hospitals – 8500+ hospitals
  • Claim Settlement Ratio – 95–98%
Get Quote
New India Assurance

New India Assurance

  • Min Premium – ₹ 2800/year
  • Network Hospitals – 8761+ hospitals
  • Claim Settlement Ratio – 96%
Get Quote
Oriental

Oriental

  • Min Premium – ₹ 4320/year
  • Network Hospitals – 2177+ hospitals
  • Claim Settlement Ratio – 90%
Get Quote
Shriram

Shriram

  • Min Premium – ₹ 6320/year
  • Network Hospitals – 5177+ hospitals
  • Claim Settlement Ratio – 92%
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Reliance

Reliance

  • Min Premium – ₹ 4188/year
  • Network Hospitals – 8000+ hospitals
  • Claim Settlement Ratio – 99–100%
Get Quote
Royal Sundaram

Royal Sundaram

  • Min Premium – ₹ 3360/year
  • Network Hospitals – 8300+ hospitals
  • Claim Settlement Ratio – 95–98%
Get Quote
Care Health

Care Health

  • Min Premium – ₹ 5740/year
  • Network Hospitals – 19,000+ hospitals
  • Claim Settlement Ratio – 90% (2022–23)
Get Quote
Chola Health

Chola Health

  • Min Premium – ₹ 5740/year
  • Network Hospitals – 19,000+ hospitals
  • Claim Settlement Ratio – (90%)
Get Quote
IFFCO Tokio

IFFCO Tokio

  • Min Premium – ₹ 15,636/year
  • Network Hospitals – 10,000+ hospitals
  • Claim Settlement Ratio – 95%
Get Quote

Health Insurance for Rheumatoid arthritis

Treatment for rheumatoid arthritis (RA) typically requires medical help, medication and changes to lifestyle. In India, because quality healthcare is not always available, people with RA should have health insurance. With this insurance, treatments are available to individuals without causing more financial trouble.

What does Rheumatoid Arthritis mean?

Rheumatoid arthritis is a condition where the immune system damages the joints over time. The immune system attacks healthy joint tissue, resulting in inflammation, pain and possible joint changes. It is very important to find out about the condition early and follow a regular treatment routine to prevent further progress.

Is Health Insurance Important for Rheumatoid Arthritis Sufferers?

Health insurance that covers RA should be considered by anyone diagnosed with it or anyone in a family affected by autoimmune diseases. If policies are put in place early, people can enjoy greater financial stability and get the care they need.

Benefits of Health Insurance for Rheumatoid Arthritis

  • Regular consultations are needed to help oversee your RA treatment.
  • People with RA often incur high costs for medications that must be used frequently. Having an insurance in such cases help you with covering the cost of medications.
  • People requiring more medical care for serious flare-ups or added complications may have to be hospitalized. Having an insurance in such cases help you with covering the hospitalization expenses.
  • Monitoring a patient’s health through periodic tests and scans should happen regularly and having a health insurance for RA helps it.

Top Health Insurance Plans for Rheumatoid Arthritis in India

Insurance PlanSum InsuredEntry AgeWaiting Period
HDFC ERGO my:health Medisure Super Top-up₹3 Lakh to ₹20 Lakh18 to 65 years90 days
Care Freedom Plan₹3 Lakh to ₹10 Lakh18 years onwards24 months
Aditya Birla Activ Secure Plan₹5 Lakh to ₹1 Crore18 to 70 years90 days
Niva Bupa ReAssure 2.0 Plan₹5 Lakh to ₹1 Crore18 to 65 years1 year
Star Health Super Star Plan₹5 Lakh onwards91 days onwards30 days
ICICI Lombard Criti Shield Plus PlanUp to ₹2 Crore91 days to 65 years90 days
ManipalCigna ProHealth Insurance Plan₹2.5 Lakh to ₹1 Crore91 days onwards2 years
Reliance Health Infinity Plan₹3 Lakh to ₹5 Crore91 days to 65 years2 years
Tata AIG Criti MediCare Plan₹5 Lakh to ₹2 Crore18 to 65 years90 days
Universal Sompo Complete Healthcare Insurance Plan₹1 Lakh to ₹50 Lakh91 days to 75 years1 year

Buying Insurance for Rheumatoid Arthritis

  1. Decide the amount of health coverage you need according to your health condition.
  2. Check out the choices offered by several providers before making a decision.
  3. Make sure you learn about the waiting period required for some insurance plans.
  4. Make sure the policy includes an exemption for RA as a pre-existing condition.
  5. Talk to professionals for guidance to ensure you make a good decision.

Tips to Help Manage Rheumatoid Arthritis

  • Try to consume foods that limit inflammation and offer omega-3 fatty acids.
  • Regularly do exercises that don’t strain your joints to help keep them flexible.
  • Watch for flare-ups and make sure you discuss these with your healthcare provider.
  • Take your medications according to the doctor’s instructions.
  • Try to relax more often to keep stress from causing a flare-up.

FAQ for Health Insurance for rheumatoid arthritis

1. Is it possible to use health insurance for rheumatoid arthritis in India?
In most cases, several health insurance companies in India provide coverage for RA.

2. How much time will it take until RA coverage begins?
Some policies have a waiting period of just 30 days, but others may take as long as 2 years.

3. Is there a RA plan available without a waiting period?
A number of plans have a reduced waiting period, yet the terms must be examined carefully.

4. Are costs for rheumatoid arthritis drugs included in your health insurance plan?
Medicines used for RA treatment are often paid for in comprehensive plans.

5. How do lifestyle changes impact the price of RA health insurance?
Smoking and being obese can both drive up the amount you pay for your insurance.

Conclusion

Looking after rheumatoid arthritis needs regular attention and proper money management. A good health insurance plan helps individuals care for their health free of financial stress. Having a proper policy gives you the necessary treatments and peace of mind.

👍 25 people found this helpful
Ratings and reviews
4.0 ★ ★ ★ ★ ☆ ( 25 RATINGS )
5 ★
(11)
4 ★
(8)
3 ★
(3)
2 ★
(2)
1 ★
(1)
Affordable premium
★★★★★

The premium was lower than expected. Good for basic health cover if you're comparing multiple providers.

Rahul V 2 days ago
Claim process could be faster
★★★

Took about a week to settle my claim. Keep documents ready to avoid delays.

Asha M 5 days ago
Good for first-time buyers
★★★★

Buying through a marketplace like Fincover made it easier to compare and choose. Decent experience.

Dinesh R 1 week ago
No OPD cover
★★

OPD expenses not covered in the basic version. Check if you need that before buying.

Kavitha S 10 days ago
Quick support response
★★★★★

Had a doubt while comparing two policies, and Fincover support helped immediately.

Ankit G 2 weeks ago
Value for money
★★★★

After comparing multiple health plans, this one had a good mix of coverage and price.

Preeti T 3 weeks ago
Average experience
★★★

Not bad, not great. Got my policy on time but hospital list was shorter than expected.

Manoj P 1 month ago
Easy online process
★★★★

Fincover’s comparison tools helped me finalize a plan in 20 minutes. All digital.

Sunita M 2 months ago
Limited network hospitals
★★

Had to travel further for a cashless hospital. Verify hospital list before buying.

Jai S 2 months ago
Great for families
★★★★★

Took a floater plan for family through Fincover. It’s been smooth so far, especially renewals.

Rohit R 3 months ago
Good UI
★★★★

Fincover website was easy to use. Policy documents arrived instantly.

Neha K 3 months ago
Confusing terms
★★★

Some of the terms like room rent limits weren't clear. Read brochure carefully.

Ali M 3 months ago
Claim rejected

Applied for a claim which got rejected for unclear reasons. Better to talk to support before admission.

Riya T 4 months ago
Trusted comparison
★★★★★

I trust Fincover to give unbiased plan comparisons. Got the best plan for my budget.

Akash D 4 months ago
Health checkup benefit
★★★★

Got a free annual health checkup included, which was a plus.

Ravi J 5 months ago
Renewal is easy
★★★★★

Renewed my health insurance through Fincover last week. Took 3 minutes.

Smita G 5 months ago
Good for elderly parents
★★★★★

Compared senior citizen plans and bought one for my father. Fincover filters made it easy.

Pooja B 6 months ago
Need more insurer options
★★★★

Fincover shows a lot, but missed one insurer I was looking for.

Varun T 6 months ago
Easy cancellation
★★★★

Had to cancel and buy another plan. Fincover team helped throughout.

Deepika M 7 months ago
Policy features are useful
★★★★★

Features like NCB, cashless, and second opinion cover helped in decision making.

Raghav S 7 months ago
Delayed documents
★★★★★

Policy document took 4 days. Was expecting instant email after payment.

Nikita R 8 months ago
Simple and clear
★★★★

No hidden charges. Everything was explained clearly on the site.

Gaurav K 9 months ago
Good mobile experience
★★★★★

I bought the plan using my phone and had no issues. Smooth experience.

Shalini N 10 months ago
Claim assistance was helpful
★★★★★

Fincover team helped in claim processing when my hospital was not responding.

Sameer A 11 months ago
Transparent process
★★★★★

No surprises, no hidden costs. Will buy from Fincover again.

Lavanya S 1 year ago
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.

Who is the Author?

Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.

How is the Content Written?

The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.

Why Should You Trust This Content?

This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.