Alzheimer’s is a common disease, especially among women. If you know someone who is suffering from Alzheimer’s disease, then you would know how difficult it can get. Not only the patient but it can get really difficult for the person looking after an Alzheimer’s patient. Besides, the treatment can slowly empty your savings. If you are wondering whether health insurance covers Alzheimer’s disease, read on to find out.
*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
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Alzheimer's disease is a progressive disorder in which the brain cells slowly degenerate and die. Alzheimer's disease affects an individual’s ability to behave and interact socially. 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 is forgetting a recent event or conversation. Alzheimer's patients tend to forget recent events and things. They may ask the same thing from you every time. If you are looking after a family member who is suffering from Alzheimer’s disease, you need to ensure that their medical condition improves with time.
Alzheimer’s Disease Symptoms
The signs and symptoms that Alzheimer's patient show other than memory loss are:
Here are some of the useful tips that can help you while you are looking after your parents or a family member suffering from the Alzheimer’s disease. And why it is essential to buy a health insurance policy to cover this critical illness:
It can be expensive to treat Alzheimer’s disease, and for this reason, it is needed to have the medical expenses covered under a critical illness health insurance policy. You can look for some of the most comprehensive health insurance plans covering Alzheimer’s disease online.
All your savings can get drained while treating a critical illness and may restrict you from earning and working and your whole lifestyle can take a setback. Therefore, it makes sense to buy a lump sum benefit policy that helps you meet the financial pressure during such tough times.
Your existing health plan or your employee health insurance policy will only pay for medical expenses up to a certain extent. However, a critical illness cover policy will pay you in a lump sum once as soon as the disease is diagnosed.
A critical illness policy covering Alzheimer’s disease is not a conventional indemnity based health plan. In this policy, the insurer pays the sum insured in lump sum amount upon diagnosis of the specified Critical Illness policies.
If the doctor recommends a certain line of medical treatment, you can utilize the sum insured amount to pay for care, treatment, and recovery. The money can also be utilized for paying off debts, cover the loss of income, and in some cases, it can be used to adapt to the lifestyle changes.
In India, the number of cases of Alzheimer's disease is increasing with each passing day. And to overcome the financial and emotional burden that arises with this illness, it is advisable to opt for a critical illness Alzheimer’s insurance policy. With medical insurance in hand, you can file claims as soon as there is a hospitalization. The policies are also designed to cover alternative treatments, domiciliary or home treatment costs, and not to forget annual-health check-up facilities. So, go ahead and buy a health insurance plan with Alzheimer’s insurance cover. And save your loved ones with the best treatment and also save taxes u/s 80D.
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