Even though India’s healthcare system has successfully eradicated several terrible diseases, including leprosy, polio, and smallpox, there are still some deadly illnesses that kill 60% of the country’s population every year. These include, but are not limited to, digestive diseases, TB, malignant tumors, cardiovascular disorders, and pulmonary disorders. In a developing nation like India, where diagnostic and hospitalisation fees are above the means of the average Indian, recovering from such ailments is particularly challenging.
Many health insurance plans have been created to help the general public financially, but there is little widespread knowledge of these ailments and their coverage.
The top five illnesses that cause death in India (2022) and are generally covered by health and life insurance policies will be discussed in this article.
1. Tuberculosis (TB)
Tuberculosis is the greatest cause of death in India. It is a very contagious illness that damages someone’s lungs. Its urgency comes from the possibility that TB bacteria infection could cause silent TB infection. The most prevalent TB symptom is a prolonged, severe cough that produces blood or phlegm and can linger for weeks, especially while one is breathing normally.
You should keep in mind that tuberculosis is not entirely incurable, but with the correct intervention and access to healthcare, and that several essential health insurance policies provide financial coverage for the inpatient costs associated with the disease.
2. Alzheimer’s Disease
Alzheimer’s disease is an untreatable, progressive brain condition that gradually impairs one’s memory, reasoning abilities, and capacity for performing everyday tasks. It is a disease that typically strikes people in their 60s, with early onset in their 30s being extremely rare. It shrinks the person’s brain tissues by causing a loss of communication between the neurons and the various muscles and organs in the body.
There are several alternatives that cover this ailment, and the Indian government has approved an order to include mental illnesses as a coverage option for a number of health insurance policies. Having a health insurance policy against this condition is important since it affects people in their post-retirement years, when their vulnerability to other ailments rises.
3. Respiratory Disorders
It is impossible to discuss each respiratory disease individually because they are all considered collective disorders. These respiratory conditions are chronic and progressive and impair breathing. Breathlessness, wheezing, and a tightening sensation in your chest are possible symptoms. Long-term untreated asthma can result in lung failure and eventually death.
The greatest method to prevent respiratory disorders is to cut back on smoking and receive a diagnosis as soon as possible, despite the fact that there is currently no proven cure. Given that these illnesses are on the list of critical illnesses, you can be confident that your medical expenses for treating them will be covered financially. You can easily buy or invest in a health insurance policy to give you the financial protection you need.
4. Cancer
In any part of your body, unregulated cell division is referred to as cancer. This can harm your immune system, cause malignant tumours, and result in other fatal problems. Because the disease does not develop any symptoms until it has reached a critical stage, it is thought to be fatal. To enhance effectiveness, doctors frequently combine different treatment modalities, yet cancer treatment is extremely expensive.
The fact that so many people in India die from cancer is a result of their inability to pay for the exorbitant expenses of their medications. Numerous reputable health insurance companies, both private and public, offer health insurance policies created especially to help cover the cost of treating cancer.
5. Stroke
Strokes are the second-leading cause of death in India after TB. It is a cardiovascular condition that occurs when an artery or a vein blocks blood flow to your brain. It causes the brain cells to become oxygen-deprived and can cause death in a matter of minutes. A stroke victim may experience abrupt numbness and confusion, which makes it difficult for them to walk and see. Long-term incapacity might also result from undiagnosed strokes.
However, the majority of health and life insurance policies provide this option for built-in coverage, which pays for the cost of treating strokes. You only need to be aware of the guidelines to ensure a financially secure future in case you or a loved one develops this illness. Disability caused by a stroke is also protected by monthly income and payment options.
These are India’s top five deadly illnesses. Even if a perfect cure is elusive, having access to quality medical treatment and facilities can always help slow the disease’s course. Furthermore, the abundance of health insurance policies that provide financial coverage against each of the diseases listed above makes the battle relatively easier by reducing the burden of needing to accumulate funds for medical treatment.
To make sure that you and your loved ones are adequately protected against the financial demands of such deadly diseases, you should carefully review the terms and conditions of various health insurance carriers.
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