Health Insurance for Paralysis Patients
Paralysis is an illness that causes muscles to become weak or to completely stop functioning. Some causes are stroke, damage to the spinal cord or certain neurological disorders. Not only can paralysis affect a person’s movement, but it can also bring financial hardships and physical and mental strain to people around them
How Health Insurance works for those with paralysis
Treating paralysis requires:
- In-Hospitalization: Must often stay in the hospital for either a short or a very long period.
- Physiotherapy: Long-term sessions of physiotherapy and occupational therapy are part of rehabilitation.
- Devices that Aid Mobility: Wheelchairs, braces and several mobility aids.
- Modifying the Home: Improvements to a home for better comfort and ease of movement.
- Loss of income: Losing the ability to work can put a strain on your finances.
If these things are covered by your health insurance, you can relieve your worries about money and continue treatment uninterrupted.
Inclusions for Health Insurance for Paralysis Patients
Generally, the best health insurance plans in India provide several important benefits to people with paralysis.
- Lumpsum: When someone is diagnosed with paralysis, a lump sum payment is made to help with their treatment costs.
- Ambulance and Hospital Fees: Insurance for care received inside a hospital or ambulance due to paralysis.
- Pre and Post Hospitalization: Tests and care given at health centers to determine the reason for hospitalization.
- Daycare Procedures: Benefits for procedures that allow the patient to return home once treatment is done.
- Rehabilitation: Plans may cover rehabilitation services which are provided by physiotherapists.
- Emergency Ambulance: The cost of transporting patients by ambulance in an emergency.
Exclusions in Health Insurance for Paralysis Patients
Plans may offer significant coverage, but you may find some things are not covered.
- Any medical issues in the waiting period are not covered
- Problems resulting from self-harm are not considered in this category.
- Unless otherwise noted, Ayurveda and Homeopathy are typically excluded
- Most insurance companies won’t cover experimental or unapproved treatments.
- Exclusions apply to conditions that arise from alcohol or drug addiction.
Best Health Insurance Plans for Paralysis Patients in India
| Insurance Plan | Sum Insured | Entry Age | Waiting Period | Survival Period |
|---|---|---|---|---|
| HDFC ERGO Critical Illness Insurance Plan | ₹1 Lakh - ₹50 Lakh | 5 - 65 years | 90 days | 15-30 days |
| Bajaj Allianz Criti Care Plan | ₹1 Lakh - ₹50 Lakh | 90 days - 65 years | 120-180 days | 7-15 days |
| Star Critical Illness Multipay Insurance Policy | ₹5 Lakh - ₹25 Lakh | 18 - 65 years | 90 days | 15 days |
| ICICI Lombard Criti Shield Plus Plan | ₹1 Lakh - ₹1 Crore | 91 days - 65 years | 90 days | No survival period |
| Niva Bupa Health Assurance Plan | ₹3 Lakh - ₹3 Crore | 18 - 65 years | 90 days | 30 days |
| Aditya Birla Activ Secure - Critical Illness Plan | ₹1 Lakh - ₹1 Crore | 5 - 65 years | 90 days | 15 days |
Note: During the waiting period, you cannot make a claim regarding paralysis. For a claim to be approved, the insured must survive the survival period which begins at the time of diagnosis.
Guidelines for Selecting the Proper Health Insurance Plan
- Consider how often you will need medical attention, whether hospital stay is likely and whether recovery at home or in a rehab center will be needed.
- Choose insurance with less time between when you buy it and when you can use it.
- Make certain the amount covered will be sufficient for what you may owe due to an accident.
- Read through the entire policy carefully to become familiar with what it covers, what it omits and the procedures for making a claim.
- Request guidance from industry experts when you need to make a choice.
How to Manage Paralysis?
Insurance helps because managing paralysis also involves other steps.
- Frequent Medical Check-Ups: Get periodic check-ups regular to monitor the improvement
- Physical Therapy: Physiotherapy plays a very important role for patients who suffered paralysis
- Counselling: Counselling and joining support groups are ways to help with emotional problems.
- Watch Your Diet: Eat the right types of foods and avoid factors that could worsen the condition.
Conclusion
Paralysis can greatly disrupt someone’s life, making things difficult physically, emotionally and financially. Buying an appropriate insurance plan for paralysis patients may ease financial problems and ensure they receive the treatments needed. Individuals who learn about the available plans and inclusions and exclusions covered by the insurance company can make wise choices for their health and money.