Which high-risk conditions might need specified insurance?

Dr. Michael Roizen, MD
Internal Medicine
Most people buy broad catastrophic medical insurance covering hospital and provider services if they think they are at higher risk than usual of heart disease, cancer, stroke, Alzheimer’s, Parkinson’s, multiple sclerosis, kidney failure, or another terminal illness based on family medical history or their job. Best policy is lifestyle changes where you choose healthier choices combined with a broad catastrophic coverage policy. Blindness, deafness, and paralysis are also common conditions covered by disease-specific insurance, but remember some call these legal robbery policies, because the restrictions are often so encompassing that you are more likely to be hit by lightening twice in a day than benefit from one.

Most insurance companies consider heart disease, immunodeficiency conditions, certain cancers, and neurological conditions to be high-risk. Cancers that are considered higher risk are breast, brain, liver, lung, and bone. If you have a high-risk condition, you need to make certain that you are covered by your basic plan. If your insurance coverage is through your employer, your high-risk status should not make a difference, but if you are independently insured, you may face challenges. Some companies cater to people with high-risk conditions but they may impose restrictions and higher fees. If you are not covered, you may consider purchasing a high risk insurance policy, especially if you are at higher risk from genetic predisposition or professional hazards.

Continue Learning about Health Insurance

Take Advantage of Your ACA Preventive Care Benefits
Take Advantage of Your ACA Preventive Care Benefits
We’ve quoted Ben Franklin before, but his words are still as true as ever: “An ounce of prevention is worth a pound of cure.” And taking advantage of ...
Read More
What is life insurance?
Anne FabinyAnne Fabiny
Life insurance pays benefits upon a person's death. Some policies also act as collateral that the in...
More Answers
What happens when my term life insurance expires?
Maria Ferrante-SchepisMaria Ferrante-Schepis
One advantage to term life insurance is that your premium–that is, the amount you pay to your insure...
More Answers
Who Are the Key Players in Healthy Living?
Who Are the Key Players in Healthy Living?

Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.