Health Insurance Options for a Person with Lifestyle Diseases
Sedentary lifestyle, improper diet, lack of nutrition, increased junk intake, urban and polluted atmosphere, enhanced stress level is many of the reasons for the deterioration in health conditions of middle-aged people nowadays. With the living standards perking up, lifestyle diseases are also increasing. Ailments like diabetes, cardiovascular issues, respiratory abnormality, and obesity are now rampant among the youth also these days. First-rate treatment, the facilities availed and best doctors’ consultancy happens with maximum spending. With healthcare costs spiraling up like never before, health insurance plans for lifestyle disease come to the rescue. With proper health coverage, you can stay financially secures against any medical emergencies including lifestyle diseases. The necessity and relevance of health insurance policies have increased because of the enhancement in diseases and increasing medical expenses.
Knowing that lifestyle diseases are on the rise, don’t even think to prevent or postpone the decision of having a health policy when you are young. Rather, it is the real-time to own it as then only you might get it at the most affordable price. Also, when being fit and healthy it is easier to pass the waiting period. Thus, combat lifestyle diseases easily by buying a good health plan at a younger age and understand the significance of a proper coverage amount. Just having a health policy is not enough, unless it is comprised of an optimum coverage amount as per your requirement. That’s why we advise you to invest not in a regular health insurance policy, but a complete health management program.
There are specialized plans suitable for individuals suffering from lifestyle diseases such as Diabetes Type 1, Diabetes mellitus Type 2, and Pre-diabetes (IFG, IGT). They also cover those suffering from hypertension. The policies cover not just complications of the pre-existing disease but, also covers regular personal accidents, hospitalization and outpatient expenses. These policies are available on individual and floater basis, they cover for donor expenses for kidney transplant surgery, outpatient expenses, including diagnostic tests, medical consultations, drugs, and medicine, Coverage for all daycare procedures. These policies provides with personalized wellness program, cover from day 1, No claim bonus of up to 100%, premium discounts on staying healthy, Health checkup and many more.
Today, cancer is more of a lifestyle disease. It is caused due to obesity, consumption of tobacco, lack of exercise, fried food regular consumption of junk food. Given that many insurance companies have introduced Cancer Insurance policy, which gives cancer patients a wide coverage. These plans include Lifelong renewal, even after claims, all types of cancers covered, cashless cancer treatment, waiting period in months, actual treatment costs covered, and Lump-sum payouts.
The costs of cancer treatment can be between 30 to 50 lakh. Your regular health insurance plan to cover this amount can be expensive. Any other way, such plans come with the large sum insured at low premiums.
There are specialized insurance policy for cardiac disease in the market. This is policy is for persons who have undergone Coronary Artery Bypass Graft Surgery (CABG) (By-pass) or Percutaneous Transluminal Coronary Angioplasty (PTCA) (Stenting). There are policies like diabetic care, cancer care, cardiac care. The waiting period of such product offerings varies from company to company.
Top Features of these plans include free expert medical consultation, Cardiac disease cover, and Different sections available under this plan. Most such plans also have an element of sum insured available as per the individual member covered, Coverage for procedures under cardiac medical management, Coverage for pre-existing cardiac ailments after a waiting period. Some plans also look at rewarding policyholders for healthy choices leading to improved parameters as, active management of lifestyle diseases can result in favorable outcomes.
With several medical insurance policies in the market, selecting the right one seems to be a challenge. It is advisable to search the market for unbiased advice and invest your money in the right place.