50 Lakh Health Insurance

Name: 50 Lakh Health Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

If you are someone who is seeking comprehensive coverage, then a ₹50 lakh health insurance plan is the ideal choice. This plan is most useful for advanced treatments and multiple medical needs in a year. Overall, it's a safeguard against all your emergency medical needs.

Healthcare costs in metropolitan cities such as Bangalore, Mumbai, and Delhi are extremely high. Cancer care, heart surgery, and long ICU stays can cost in lakhs. That's where this plan comes into play. With a ₹50 lakh insurance plan, you get overall protection for your medical needs.

At IndusInd General Insurance (formerly Reliance General Insurance), our ₹50 lakh health plans are designed to offer robust protection at modest premiums. With restore benefits, no room rent limit, quick cashless claim, this plan protects you against advanced treatments, letting you focus on your health while we handle your expenses.

Why Buy a ₹50 Lakh Health Insurance Plan?

Increasing Healthcare Costs

Medical expenses are rising fast. This makes lower sum insured policies insufficient. A ₹50 lakh plan offers ongoing, sufficient coverage for the future.

Family Protection

A ₹50 lakh plan can be perfect for a small nuclear family, covering your spouse and dependent children if you live in a metro city with high healthcare costs. It acts as a safety net for sudden medical emergencies and planned treatments.

Critical Illness Cover

Critical illnesses like cancer and heart surgery are costly. A ₹50 lakh plan easily covers these treatments, including second opinions, repeat hospitalisations, and post-surgery care.

Cashless Treatment

With ₹50 lakh health insurance, you can get quick access to medical facilities without paying a large sum of money. Visit a network hospital, present your health card, and obtain the necessary approvals to initiate treatment.

Why Choose

Why Choose Our ₹50 Lakh Health Insurance?

Medical costs are increasing daily. Our health insurance plans provide coverage against the rising cost of medical treatments and offer comprehensive medical services. We ensure that healthcare remains accessible to you at times of need.

Amount Insurance

AYUSH & Modern Surgery

100% SI coverage for both.

Up to 40% Discount

More protection at lower costs.

Unlimited SI Restoration

Unlimited comprehensive coverage.

20+ Add-On Covers

Choose coverage as per needs.

Types of IndusInd ₹50 Lakh Health Insurance Policies

Health Infinity Insurance

This is an extensive insurance plan designed for professionals and modern families seeking comprehensive coverage without limits. It provides sum insured from ₹3 lakh up to ₹5 crore, diagnostics, OPD, rehab, consumables, and home care with wellness perks, annual checkups, inflation shield, and NCB. This plan is perfect for urban HNIs, corporates, and large families seeking complete protection.

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Health Gain Insurance

IndusInd Health Gain is a flexible health insurance plan that allows you to choose what you need. It offers coverage in India only, with a sum insured ranging from ₹3 lakh up to ₹1 crore. It offers benefits such as smart OPD add-ons, reinstatement of the sum insured, shorter waiting periods, and co-payment options. This plan suits growing families and urban professionals as it offers family cover and long-term discounts.

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Health Global Insurance

IndusInd Health Global Insurance Plan is a policy that works beyond borders. It is designed for NRIs, HNIs, and frequent flyers who need healthcare accessible anywhere in the world. It provides global coverage up to USD 1 million, with optional unlimited reinstatement, India coverage, yearly no-claim bonus, home care, and OPD add-ons. It also offers concierge services, including travel and visa support. It is designed to give borderless, seamless protection for a global lifestyle.

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IndusInd Health Super Top Up Insurance

If you are looking for extra protection beyond your basic insurance plan, then the IndusInd Health Super Top-Up Plan is for you! It provides additional protection to your plan with sums insured from ₹5 lakh to ₹1.3 crore. It covers major medical expenses, including maternity, AYUSH, hospitalisation, and air ambulance charges. Not only this, but perks like NCB benefits, deductible buyback, and premium waiver on critical illness make it perfect to strengthen your family’s health needs.

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Inclusions & Exclusions

Inclusions and Exclusions of ₹50 Lakh Health Insurance

Amount Insurance

What is Covered?

Day 1 Coverage: You're fully covered from the first day of policy commencement for claims due to medical emergencies and accident-related claims.

Hospitalisation & Inpatient Care: Covers expenses like room rent, ICU charges, doctor’s fees, surgery, tests and medicines when hospitalised.

Modern Treatments: Advanced procedures like stem cell therapy, robotic surgeries and chemotherapy are covered.

AYUSH Treatments: Includes coverage for Ayurveda, Yoga, Unani, Siddha and Homoeopathy up to the policy's SI limit.

Pre- and Post-Hospitalisation: Covers related medical expenses for 90 days before and 180 days after hospitalisation.

Day Care Procedures: Covers treatments that don’t need 24-hour hospitalisation (e.g., chemotherapy, dialysis, minor surgeries like cataract).

Domiciliary Hospitalisation: Covers treatment at home when hospitalisation isn’t possible and suggested by the doctor.

Emergency Ambulance: Covers the emergency ambulance costs per hospitalisation to transport you to the nearest hospital.

Transportation Benefit: Covers transportation costs as per policy limits for transporting to and from the hospital.

Organ Donor Expenses: Covers surgery and hospitalisation costs for organ transplants up to the sum insured.

Amount Insurance

What is Not Covered?

Cosmetic & Elective Surgeries: We will cover cosmetic surgery and other elective surgeries, such as dental and vision care, if they're medically necessary due to an illness or injury.

Pregnancy & Infertility: Maternity costs can be covered with the help of add-ons such as the Maternity Cover.

Unprescribed Medicines: All your prescriptions are covered, but medicines bought without a doctor’s prescription aren’t reimbursed.

Unregistered Hospitals: We cover all authorised hospitals in India, but they need to be legally registered.

Experimental Treatments: We cover all treatments except those not approved by the IRDAI or WHO.

Illegal Activities, Self-Harm & Substance Abuse: We cover all treatments for accidental injuries except ones obtained due to participating in illegal activities, substance abuse, and self-harm.

War or Acts of Terrorism: You get day 1 coverage for medical emergencies; however, illness and injuries due to war, riots or terror attacks are excluded.

Waiting-Period-Based Exclusions: 30-day wait for illnesses (except accidents), 24 months for specific diseases, 36 months for pre-existing conditions, 12–24 months for maternity. Waiting periods can be reduced with add-ons.

Disclaimer: The list of inclusions and exclusions varies depending on the type of plan you choose. Read your policy documents carefully here.

Get top-tier protection and lifelong cover

Call us today to get ₹50 Lakh protection

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How to Buy

How to Buy and Renew ₹50 Lakh Health Insurance?

Amount Insurance

Buy Online

Fill in the form with your basic details. Use the calculator below for an instant quote.

Enter your DOB, gender, PIN and the number of family members you want to insure.

Choose your preferred policy duration, sum insured, and add-on that you require.

Then, fill in your PAN card details and complete the KYC verification process.

Finally, pay the ₹15 lakh health insurance premium and get your insurance policy.

Amount Insurance

Renew Online

Go to the form and choose the ‘Renewals’ tab or InstaRenew on IndusInd Insurance app.

Fill in the necessary details, such as your mobile number and policy number.

Tap on the ‘Send OTP ’option to verify the details and proceed with policy renewal.

Then, review your insurance policy and make necessary changes, if needed.

Finally, check the revised premium and pay online to renew your policy instantly.

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Who Should Consider ₹50 Lakh Health Insurance?

Large Families

Families with a large number of dependents, like older parents or children, have regular medical needs. These families can choose a large sum insured up to ₹50 lakhs.

Families With A History Of Serious Illness

Some families have a history of serious illnesses such as cancer, diabetes, etc. Such families should purchase a high sum-insured policy and create a safeguard in advance.

Individual With Pre-existing Conditions

All those who suffer from pre-existing conditions need regular treatments. These treatments are very expensive. That's why a high sum insured plan would be perfect for them. They would be able to manage the finances easily.

Claim Process For ₹50 Lakh Health Insurance

Step 1

Register your claim through the IndusInd Insurance app. Also, you can call us (+91 224890 3009) or send an email.

Step 2

Use the cashless network hospital locator widget below to find your nearest hospital.

Step 3

Visit any authorised hospital and submit your documents to ICare.

Step 4

The hospital's TPA desk will send us your medical expenses.

Step 5

Our team will then coordinate with the TPA team to settle your claims.

Step 1

If your cashless claim is denied, pay the hospital directly.

Step 2

Be sure to collect all receipts, bills, and diagnostic reports before leaving.

Step 3

Raise your claim through our app, email, or website.

Step 4

Upload necessary documents and file the claim form.

Step 5

You will be reimbursed once your request is reviewed.

Key Takeaways

Medical expenses in India are escalating rapidly, primarily due to the cost of advanced treatments and critical illnesses. But with the IndusInd ₹50 lakh health insurance plan, it's easy and manageable. The plan offers a strong safeguard against expensive medical treatments. It makes sure that you and your family stay protected against the skyrocketing cost of medical treatments. This policy is mainly beneficial for people living in metro cities, as here the healthcare costs are high.

What makes IndusInd ₹50 lakh health insurance different is its affordability and coverage. Customers benefit from cashless hospitalisation across 10,000+ network hospitals* with this plan. In addition to this, it also offers coverage for modern treatments, such as organ transplants, robotic surgeries, and AYUSH alternatives. This makes it relevant for a variety of medical needs.

Another plus point is its no-claim bonus* feature, where your sum insured rises every claim-free year. This way, you get more coverage without paying any extra amount. This plan is also available on a floater basis for families too. This means that one policy can cover all family members at a reasonable premium.

Author - Amount Health Insurance

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

₹50 lakh health insurance starting at just ₹545 per month*!

₹50 Lakhs of Assurance for Every Stage of Life

Lock in your ₹50 lakh shield today and cover life’s unexpected moments! Our policies are designed with today's healthcare needs in mind to ensure you stay secure.

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₹50 Lakhs of Assurance for Every Stage of Life

Voices of Trust

Stories shared by our happy customers!

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4.8 ★ ★ ★ ★ ★ (508)

Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Sirraatchuta Ram Babua

West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Manoj Kumarmogha

New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

Jasmin K

Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Nazeer Salma Abdulla

Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

Sripal Reddymadhi Reddy

Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Veeraiah Kamatam

Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Sivaganesh Madamsetti

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Sudha Ranimadabattula

Visakhapatnam

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Yerususatya Prasad

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

Karu Rama Rao

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Ravi Teja Anem

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Bhimabattula Aruna Devi

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Kantimahanti Balakrishna

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Prasad Rao Rayavarapu

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Ramachandran

Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

Vishanth K

Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

Ramakrishna Prasadvadala Setty

Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

Ramesh L

Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

Nirmala Chell Appa

Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

Ganesan Aarathi

Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

Anoop T M

Thrissur

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Kencysam Sr Kency Samsr

Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Wafa Mol R N

Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

Vinoth R

Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

Sampada Vijay Jagdale

Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

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Frequently Asked Questions (FAQs)

Should I consider buying a ₹50 lakh plan if I'm young and healthy?

Yes, you can purchase it if it suits your budget. Purchasing now means no extra loading charges, lower premiums, and the ability to complete the waiting period sooner. A high coverage plan protects you in the future as well. However, if ₹50 lakh feels like a lot, then you can step in with ₹15-₹25 lakh. Then, later, add a super top-up plan as your income increases.

How to choose the best insurance plan for you?

To choose the best insurance plan for you, consider factors such as your budget and specific needs. Follow these steps to choose a suitable plan for you. Know about your current health condition, future requirements, and family background. Find out how much you can pay throughout the year. It is crucial to verify whether the chosen hospital is included on the insurer's list of approved facilities. Read about how the insurer settles the claim.

Do I need to inform the insurer before getting treatment?

Yes, it is very important to inform the insurance company before getting admitted to a hospital. However, in the event of an emergency, you can inform them even after hospitalisation, but as soon as possible.

Can I claim medical expenses for cancer treatment?

Yes, a health insurance plan of INR 50 lakhs offers coverage for treatments related to critical illnesses, including cancer. It offers financial relief by covering chemotherapy, hospitalisation, post-treatment care, and radiation therapy. This comprehensive coverage ensures you receive the best medical care without worrying about the expenses. Additionally, this insurance plan allows you to focus more on recovery than on finances.

What if my hospital bill goes above ₹50 lakhs?

If your hospital expenses exceed ₹50 lakhs, you will need to pay the additional amount out of your own pocket. However, if you have an additional cover or super top, then you can take advantage of that.

Is a ₹50 lakh health insurance plan sufficient?

Yes, in most cases. It can handle major surgeries, hospitalisation, and even cancer treatments. However, the coverage quality matters more than just the number.

What is the difference between add-ons and base coverage?

The primary difference between base coverage and add-ons is that base coverage is typically built into the policy, whereas add-ons are optional. You can add them to your policy by paying an extra premium amount. This will enhance your coverage based on individual needs and budget.

Does the 50 lakh policy also cover international treatments?

Not actually! Most of the policies cover treatment only within India. However, you can opt for specific plans or add-ons that offer international coverage. Ensure you review the policy terms for global coverage options.

What are the waiting periods for a ₹50 lakh health insurance plan?

Generally, there is a 30-day initial waiting period, followed by 2 to 4 years for pre-existing conditions, and 2 to 3 years for specific illnesses.