Lifestyle diseases are targeting the youth in India. Ailments like heart diseases, lung conditions and diabetes have increased due to work stress and consumption of junk food. Let’s discuss how health insurance is necessary to keep a check on these lifestyle ailments.
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There are two types of health insurance plans which can be availed to safeguard health against diseases.
Individual Health Insurance Policy: Under this plan you can avail health insurance cover for self or family members. These plans usually cover the hospitalization expenses for a large number of ailments.
Family Floater Health Insurance: The family floater health plan covers all family members under a single plan. The sum assured can be used by all insured members.
See Also: Tips to Reduce Health Insurance Premiums
Lifestyle diseases occur due to a hectic lifestyle, excessive exposure to pollution and a sedentary lifestyle. India is known as the diabetes capital of the World.
Today, youngsters suffer from high blood pressure and diabetes. The lack of good lifestyle habits or routine medical check-up leads to an increase in such diseases. To keep lifestyle diseases at bay, you must adopt serious lifestyle changes and also avail a health insurance plan.
In India, lifestyle diseases are on the rise, especially above the age of 40. Due to a fast lifestyle and lack of physical activity, people often suffer from acute stress, obesity, cholesterol and diabetes.
The lifestyle diseases also result from unhealthy eating habits. Though you can make some lifestyle changes and keep track of your fitness and diet, you need a health insurance plan.
You can avail the insurance cover for critical illnesses in two ways. You can either opt for an added insurance cover on your basic health insurance plan or you can choose to purchase a separate health insurance plan for the critical illnesses.
Purchasing a critical illness cover along with the base plan allows you to increase your insurance cover and insure self and family members from various types of critical illnesses.
The list of lifestyle diseases covered varies across insurers. Keep in mind that these health insurance plans have a waiting period only after which the benefits for the same can be availed.
You can choose to purchase an additional critical illness policy in case your family has a history of critical illnesses. These plans come with high insurance premium, but prove to be very beneficial when the insured is diagnosed with a critical illness.
See Also: Family Health Insurance Plan
However, you must make a comparative analysis of health insurance plans and decide which type of plan is the best to meet your healthcare needs. If you are seeking budget-friendly policies to secure your health from lifestyle diseases; then you can also opt for online critical illness plans. The online plans are cheaper than the offline insurance plans and offer the same benefits at lower prices.
The online health insurance plans are cheaper even with riders. You can secure your finances and your health by adopting the right kind of insurance plans for lifestyle diseases.
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