Policy snapshot
A focused health insurance plan that covers treatment for one or a limited set of specific illnesses like cancer, heart disease or diabetes.
What is Disease-Specific Health Plan?
Disease-Specific Health Plans provide targeted cover for defined illnesses and may work alongside base health and critical illness policies.
What can it cover?
- Coverage for defined illness set (e.g. cancer, heart, diabetes)
- Hospitalisation and treatment expenses related to the specified illness
- Lump-sum or indemnity depending on plan
Who should consider it?
- Individuals with family history or higher risk of a specific illness
- People who want extra protection beyond base health insurance
Key features to understand
- Focused coverage for high-impact illnesses
- Can be layered with other health policies
- Customisable based on risk profile
What deserves attention before you buy?
Coverage, exclusions, sub-limits, deductibles, waiting periods, warranties and underwriting can vary between insurers and policy versions. The policy wording and schedule remain the definitive contract. Novo can help you review the relevant terms for your requirement.
Read the wording, not just the brochure
The schedule and policy wording determine the actual contract.
Compare meaningful differences
Look at exclusions, limits, deductibles, conditions and claim requirements—not premium alone.
Think beyond purchase
Servicing and claims-related support can matter as much as placement.