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What Our Plans Cover
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Hospitalisation for the specifical...
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General hospitalisation on ordinar...
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Pre and post-hospitalisation withi...
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Day-care procedures
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Chronic-condition management progr...
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Regular monitoring and diagnostics...
Who Can Consider This Plan?
- Indian resident, typically aged 18 to 65 at entry
- Children can usually be covered from 91 days, subject to insurer rules
- Medical tests may be required above a threshold age or sum insured
- Full and accurate disclosure of existing conditions, medication and family history
- Tobacco and alcohol use must be declared — non-disclosure is the leading cause of rejected claims
What May Not Be Covered?
- Conditions not declared and specifically accepted at proposal stage
- Complications of an undeclared condition
- The stated co-payment share on claims related to the accepted condition
- Named ailments inside their own separate waiting period
- Maternity, unless the plan includes it
Always check the policy wording before you commit.
Why Choose Wealth & Covers?
- Expert advice to choose the right plan
- Plans from leading insurance companies
- Hassle-free process and documentation
- End-to-end support, including claim assistance
- Dedicated relationship manager
Our Insurance Partners
- Star Health Insurance
- Care Health Insurance
- Niva Bupa Health Insurance
- HDFC ERGO
- ICICI Lombard
- Bajaj Allianz
We represent multiple providers to help you find the most suitable option at the best price.
- Expert Guidance Personalised advice from experienced insurance professionals.
- End-to-End Support From choosing the right plan to claim assistance, we are with you always.
- Claims Assistance Hassle-free claim support to ensure you get what you deserve.
- Transparent Process Clear information, easy documentation and a hassle-free experience.
Overview
Most health policies make pre-existing conditions claimable only after two to four continuous years. A day-one plan compresses that window — sometimes to nothing, more often to thirty or ninety days — in exchange for a higher premium and tighter underwriting.
These plans exist for a specific buyer: someone with a declared condition who needs cover that responds now rather than in the year 2029. Diabetes and hypertension are the two conditions most commonly written this way, because they are common, manageable and predictable enough to price.
The trade is real and should be understood plainly. You pay materially more, you accept closer underwriting, and you often accept a co-payment on related claims. What you buy is time, and for the right buyer time is the thing worth buying.
Who should consider it
Anyone with a diagnosed condition who has no cover today and cannot afford a three-year gap before it becomes claimable. Also anyone who has been declined by ordinary retail underwriting on account of a manageable chronic condition.
It is not for a healthy buyer. If you have nothing to declare, an ordinary plan gives you the same protection for considerably less, and its waiting periods will run out long before you need them not to.
Benefits
- Declared conditions become claimable immediately or after a short window
- Available to buyers ordinary retail underwriting would decline
- Chronic-condition management is often built into the plan
- Removes the multi-year gap in which a known condition is uninsured
- Cashless access at network hospitals from the start
- Section 80D deduction applies as with any health premium
What is covered, and what is not
Read the right-hand column first. It is the one that decides whether a claim is paid.
Typically covered
- Hospitalisation for the specifically declared and accepted condition, from day one or after a short window
- General hospitalisation on ordinary terms
- Pre and post-hospitalisation within the stated windows
- Day-care procedures
- Chronic-condition management programmes, where the plan provides them
- Regular monitoring and diagnostics for the accepted condition, on some plans
Typically not covered
- Conditions not declared and specifically accepted at proposal stage
- Complications of an undeclared condition
- The stated co-payment share on claims related to the accepted condition
- Named ailments inside their own separate waiting period
- Maternity, unless the plan includes it
- Conditions the insurer excluded by name in the policy schedule
Inclusions and exclusions vary between providers and between plans from the same provider. The wording in your own policy document is what governs — we will walk you through it before you buy.
How it works with us
- 1 Tell us who is being covered Age, city, existing conditions and any cover you already hold. Two minutes, and it decides everything downstream.
- 2 We shortlist on structure, not price Room rent, co-payment, sub-limits and pre-existing waiting periods — the four things that decide what you actually get paid.
- 3 You see two or three options, with the trade-offs named Including what each one gives up. If your existing policy is already the right answer, we will tell you that.
- 4 Proposal and medicals We help you complete disclosure properly. A medical test, where required, is usually arranged at home.
- 5 Policy issued, and we stay on the file At claim time you call us, not a helpline. We prepare the file, submit it and chase the insurer until it settles.
Important considerations
The things a brochure tends to leave out. Read these before you decide.
- Read the schedule, not the brochure. What is covered from day one is the condition the insurer named and accepted — not every condition you happen to have.
- Compare the total cost over five years against an ordinary plan. If your condition is stable and you can carry the risk, the ordinary plan plus three years of waiting is sometimes the cheaper path.
- Expect a co-payment on condition-related claims and price the plan on a realistic admission, not on the premium alone.
- Underwriting here is thorough by design. Incomplete disclosure is more likely to be caught, and more damaging when it is.
- If you also hold an older ordinary policy, keep it. This plan is an addition to your cover, rarely a replacement for continuity you have already built.
Documents required
- Completed proposal form with full medical disclosure
- Identity proof — Aadhaar, passport, voter ID or driving licence
- Address proof
- PAN card
- Recent passport-size photograph
- Medical reports, where the insurer requires them at your age or sum insured
- Existing policy copy, if you are porting
Frequently Asked Questions
Does "day one" really mean no waiting at all?
Sometimes, but often it means thirty or ninety days rather than zero, and it applies only to the conditions the insurer has specifically accepted. The exact wording in your policy schedule is what governs — read that rather than the marketing.
Which conditions are usually accepted?
Diabetes and hypertension most commonly, along with high cholesterol and thyroid disorders. They are frequent, manageable and predictable enough for an insurer to price. More complex or unstable conditions are usually declined or excluded by name.
How much more does it cost?
Meaningfully more than a comparable ordinary plan — the premium is carrying risk that other plans defer for years. The honest comparison is total outlay over five years against the cost of being uninsured for that condition during the waiting period.
Will my other conditions be covered too?
Only if they were declared and accepted. Acceptance is condition-specific. Anything else follows the ordinary waiting periods, or may be excluded outright in the schedule.
Should I cancel my existing policy and switch to this?
Almost never. Continuity on an older policy is valuable and cannot be bought back. Where a day-one plan is the right answer, it usually sits alongside what you already hold rather than replacing it.
Want a shortlist instead of a catalogue?
Tell us the situation and an advisor comes back with two or three options that actually fit — and names what each one gives up.