Health Insurance for Alzheimer's Patients

Health insurance for Alzheimer's patients provides medical coverage for the treatment cost of Alzheimer's disease, which often leads to dementia. It either pays a lump sum amount to the policyholder on the first diagnosis of the disease or reimburses the treatment cost. However, most health insurance providers cover Alzheimer's after a waiting period of 90 days to 2 years.

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      What is Alzheimer's Disease?

      Alzheimer's disease is a progressive disorder in which brain cells slowly degenerate and die. It affects an individual's ability to behave & interact socially and carry out daily activities. It is the most common cause of dementia that results in a decline in thinking and a person's ability to perform tasks independently.

      One of the alarming and early signs of Alzheimer's is forgetting a recent event or conversation. They tend to forget things and may ask the same thing every time. However, people with Alzheimer's disease require intensive care as the disease worsens.

      Symptoms of Alzheimer's Disease

      Here are some of the most common symptoms of Alzheimer's disease:

      • Memory problems that disrupt daily life
      • Change in personality or behaviour
      • Frequent changes in the mood
      • Difficulty in solving a problem
      • Difficulty in completing a task
      • Sudden withdrawal from family and friends
      • Verbal and written communication issues
      • Trouble in handling money
      • Decreased or poor judgement
      • Misplacing things and being unable to retrace steps

      Who Should Buy Health Insurance for Alzheimer's Disease?

      Health insurance for Alzheimer's disease should be purchased by:

      • People above 65 years
      • Those with a family history of Alzheimer's disease
      • People with Down Syndrome
      • Females
      • People with mild cognitive impairment (MCI)
      • People with a traumatic brain injury or head trauma
      • Those living in a polluted environment
      • People who consume excessive alcohol
      • Those with poor sleeping patterns
      • People prone to heart problems due to poor lifestyle
      • People with fewer years of formal education

      Benefits of Buying Health Insurance for Alzheimer's Patients

      Take a look at some of the key reasons to buy health insurance for Alzheimer's patients:

      1. High Incidence of Alzheimer's Disease

        Alzheimer's is an extremely common disease, especially among women and older people. As per the Longitudinal Aging Study in India, about 8.8 million people in India are living with dementia, with Alzheimer's claiming most cases. Besides, the disease cannot be cured completely; only its intensity can be reduced with medication and proper care. By buying a mediclaim insurance policy, people can get the best treatment and care for Alzheimer's without exhausting their lifelong savings.

      2. Expensive Alzheimer's Treatment Cost

        Obtaining treatment for Alzheimer's disease can be expensive and can drain all your savings. Moreover, it may restrict the patient from working and earning an income as their whole lifestyle can take a setback. However, a critical illness insurance policy will pay a lump sum benefit to ease the financial pressure resulting from Alzheimer's. The money can be utilized to pay for the line of treatment recommended by doctors as well as for care and recovery. It can also be used to pay off debts, cover the loss of income, and, in some cases, adapt to lifestyle changes.

      Best Health Insurance Plans for Alzheimer's Patients

      Check out the best health insurance plans for Alzheimer's patients:

      Health Insurance for Alzheimer's Plans Entry Age Sum Insured (₹) Waiting Period Survival Period
      Aditya Birla Activ Secure - Critical Illness Plan Min - 5 years
      Max - 65 years
      1 lakh to 1 crore 90 days 15 days
      Bajaj Allianz My Health Care Plan Min - 90 days
      Max - 65 years
      3 lakh to 5 crore 2 years -
      Care Assure Plan Min - 18 years
      Max - 65 years
      1 lakh to 3 crore 90 days -
      Cholamandalam Flexi Max Protect Plan Min - 5 years
      Max - 65 years
      50,000 to 5 crore 90 days 30 days
      Digit Total Protect Plan Min - 91 days
      Max - 85 years
      5,000 to 3.5 crore 30 days, 60 days, 90 days 30 days
      HDFC ERGO Critical Illness Insurance Plan Min - 5 years
      Max - 65 years
      1 lakh to 50 lakh 90 days 15 days, 30 days
      ICICI Lombard Criti Shield Plus Plan Min - 91 days Max - 65 years 1 lakh to 1 crore 90 days No survival period
      IFFCO Tokio Critical Illness Benefit Policy Min - 3 years
      Max - 65 years
      1 lakh to 1 crore 30 days 28 days
      Liberty Critical Connect Plan Min - 5 years
      Max - 65 years
      1 lakh to 1 crore 90 days 30 days
      ManipalCigna Lifestyle Protection - Critical Care Plan Min - 18 years
      Max - 65 years
      1 lakh to 25 crore 90 days 30 days
      National Critical Illness Policy Min - 5 years
      Max - 65 years
      1 lakh to 75 lakh 90 days 90 days
      New India Assurance Criti Protect Policy Min - 18 years
      Max - 65 years
      5 lakh to 50 lakh 90 days No survival period
      Niva Bupa Health Multiplier Plan Min - 91 days
      Max - 65 years
      5 lakh, 10 lakh - -
      SBI Super Health Insurance Plan Min - 91 days
      Max - No age limit
      3 lakh to 2 crore - -
      Star Critical Illness Multipay Insurance Plan Min - 18 years
      Max - 65 years
      5 lakh to 25 lakh 90 days 15 days
      Tata AIG Criti MediCare Plan Min - 18 years
      Max - 65 years
      5 lakh to 2 crore 90 days 7 days, 15 days
      Universal Sompo Supreme Healthcare Plan Min - 90 days
      Max - No age limit
      5 lakh to 6 crore 2 years -
      Zuno Health Plus Plan 91 days onwards 1 lakh to 5 crore 90 days -
      See More Plans

      *Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

      Inclusions of Health Insurance for Alzheimer's Patients

      Health insurance for Alzheimer's patients includes the following coverage:

      • Hospitalization expenses
      • Second medical opinion
      • Child Education
      • Health check-up
      • Ambulance charges
      • Prescribed Medical Aid Expenses
      • Consumables expenses
      • Loss of job cover
      • Double protection cover
      • EMI protection cover
      • ICU benefit
      • Teleconsultations

      Note: The coverage list may vary from one Alzheimer's insurance plan to another.

      Exclusions of Health Insurance for Alzheimer's Patients

      The following expenses are excluded from health insurance for Alzheimer's patients:

      • Neurosis, psychiatric illness and other non-organic diseases
      • Alcohol-related brain damage
      • Any type of irreversible organic disorder or dementia
      • Unproven treatment
      • Dietary substances
      • Injuries due to participation in adventure sports

      Tips to Take Care of an Alzheimer's Patient

      Here are some useful tips for taking care of a family member suffering from Alzheimer's disease:

      • Make a Proper Routine: If you are taking care of someone with Alzheimer's, then you need to first create a daily routine for them. This will include making regular medical appointments with the doctor in case they show some symptoms. Moreover, the doctor can examine the patient better if a family member is present.
      • Avoid Distractions: Alzheimer's patients can get easily distracted, so you need to find ways to reduce them. An easy way to reduce distractions while talking to them is to switch off the TV, phone, or music, as it becomes easier for them to focus. Moreover, make sure that you provide simple instructions to them that are easy to follow.
      • Create a Protected Environment: If someone in your family suffers from Alzheimer's disease, then it is important for you to create a protected environment for them. You might want to keep all the electronics away from their reach and make your home a safe place for them. Besides, electronic items but you might also want to put away extension cords, rugs, and other items that can make them fall.
      • Be Flexible and Patient: Taking care of an Alzheimer's patient requires a lot of flexibility and patience. You may have to repeat yourself multiple times or face resistance from them. To overcome any frustration, you can follow a fixed routine and be cooperative.
      • Be Understanding: Alzheimer's patients tend to forget things and have behavioural issues as their mood swings quite often. The trick to deal with them is to be calm and compassionate.

      FAQs

      • Q1. Is Alzheimer’s a critical disease?

        Ans: Yes. Alzheimer’s is a critical illness and is covered by most insurance companies under critical illness insurance plans.
      • Q2. Does health insurance cover dementia care?

        Ans: Yes. Most health insurance companies provide coverage for Alzheimer’s disease, which is the primary cause of dementia
      • Q3. What health benefits can you claim if you have Alzheimer’s?

        Ans: If you have Alzheimer’s, you can claim your critical illness policy to pay for the treatment cost and use it as a substitute for loss of income.
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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