Does Health Insurance Cover Multiple Sclerosis in India?

People in India are becoming prone to critical diseases due to their hectic and stressful lifestyles. Multiple Sclerosis is one such disease that hampers the information flow between the body and brain. As per MS (Multiple Sclerosis) societies, people aged between 20 to 50 years are most likely to get this disease. Since it is expensive to treat, having a health insurance policy is a must.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      valid-mobile-number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Since we are here to talk about Sclerosis which is considered a critical illness, let us tell you what it actually is?

      So, What Is Multiple Sclerosis?

      Multiple Sclerosis is a neurological disease that is autoimmune and progressive. It affects the central nervous system of the body that is the spinal cord and brain. Nerve fibers in multiple sclerosis are protected by the Myelin that is a protective layer of fatty tissues.

      The immune system in the body attacks the myelin that affects the nerve cells and cause inflammation and form scar tissues that are called sclerosis. This eventually affects the connection between the brain and body that can eventually deteriorate nerves and damages them.

      From The Desk Of A Doctor

      As per Doctor Chandra who is a senior consultant, Neurology in Apollo hospital, “The body’s immune system attacks its own tissue in the auto-immune disorder. This increases the chances of relapse even if it has been treated.

      Why Is It Important To Opt For Critical Illness Plan?

      Well, purchasing a basic health insurance policy would not provide cover for a critical illness like Sclerosis. It disease stays for a long period of time and takes multiple sessions of treatment to recover. That is why it is recommended to purchase a critical illness plan that provides cover for Multiple Sclerosis.

      A critical illness plan is an indemnity plan. It provides much more financial support to the policyholder as it covers multiple critical diseases. It not only provides cover for expenses in a hospital but also treatment expenses, pre and post-hospitalization, ambulance charges, etc.

      In order to live a healthy and risk-free life, it is important to have a health insurance policy. Witnessing the inflation in medical facilities every year, you have to purchase suitable health insurance that can provide you financial aid on your hefty treatment and medical bills.

      Also, you can avail of the benefits of a no claim bonus. No claim bonus is a feature in an insurance policy that provides an increased sum insured amount at the same premium rate for not raising a claim in a year. The benefits may vary from insurer to insurer.

      Case Scenario

      There was a case back in 2003 of a 35 years old woman. She suffered a loss of vision in the left eye that was temporary. After some time the right eye was also affected. After the treatment, there was a partial eyesight recovery.

      Doctor Chandra also added that there are several other symptoms like weakness in the legs. There was another case in 2019 in which the woman was not able to stand and go to the washroom by herself. She suffered multiple sclerosis and now requires support to walk around.

      Why Purchase Critical Illness Plan Even If You Have Indemnity Plan?

      It is unlike the indemnity health insurance plans. the lump sum SI is paid after the diagnosis of the disease. It just has to be listed on the critical illness plan covers. Since the doctor will not directly call the patient to the operation theatre and starts operating, but prior recommend some tests and a certain line of treatments, the insurance plan will provide the monetary benefit that can be used to pay for the treatment.

      This is why it is important to purchase a critical illness plan with a basic insurance plan. It will provide you financial aid for many critical illnesses and cover expenses like ambulance charges, day-care treatments, ICU charges, etc. The critical illness plan will offer a lump sum monetary benefit in one single transaction for the first time policyholder gets diagnosed or as per the medical practitioner's advice.

      Conclusion

      Multiple Sclerosis is becoming common among females and it is one of the major critical illnesses considered among females between 20-50 years of age. Since this disease can damage any part of the body and early detection can still save the person to keep their affected body part from permanent damage.

      However, it requires a long treatment that can put a big hole in your pocket, purchasing a critical health insurance plan can save you a fortune. It is also recommended to purchase insurance online so that you can avail of different kinds of discounts available online and calculate the premium amount. It is cost-effective and the agent’s fee is excluded.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      10 Reasons Why Your Health Insurance Claim Can Get Rejected

      01 Dec 2023

      Health insurance plans add a layer of invisible protection against
      Read more
      Knee Replacement Surgery Cost in India

      30 Nov 2023

      Knee pain has become a very common ailment in India, with over 15
      Read more
      Kidney Transplant Cost in India

      30 Nov 2023

      Kidney disease has been growing at an alarming rate in India. As
      Read more
      How Can NRIs Save Taxes on Health Insurance in India?

      24 Nov 2023

      Health insurance is an essential buy for people in India as well
      Read more
      Is LASIK Surgery Covered by HDFC ERGO Health Insurance?

      21 Nov 2023

      The growing dependence on electronic gadgets has impacted
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Pre-Existing Disease (PED) Cover from Day One
      Pre-existing diseases (PED) are mostly expensive to treat as they are chronic in nature. Unfortunately, most health
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL