Having insurance for critical illness is essential to access world-class healthcare services without compromising one’s future. Critical healthcare insurance covers a broad range of diseases, ranging from stroke to neurological disorders. A clear understanding of how such insurance supports severe illnesses is important to avail of its benefits.
This is where this article comes in. It will help you understand how critical healthcare insurance can support you and your loved ones.
But before that, let us understand what is a stroke and neurological disorders. So, let’s begin.
What is a Stroke?
A stroke, a cerebrovascular accident, is a medical disorder when blood circulation to a portion of the brain is suddenly interrupted. This stoppage can be produced by either an artery blockage (ischemic stroke) or a blood vessel rupture (hemorrhagic stroke). As a result, the afflicted brain cells do not receive the necessary oxygen and nutrients, and they might die within minutes. Some common symptoms of a stroke:
1. Sudden Weakness
One might suddenly feel weak around their face, arm, or leg, usually on one side of their body. This may make it difficult to move that part.
2. Transient Ischemic Attack (TIA)
Sometimes referred to as a “mini-stroke,” a TIA has symptoms similar to a regular stroke but is temporary. The symptoms usually last for a few minutes to a few hours and then resolve. A TIA should not be ignored, as it can be a warning sign that a more severe stroke is imminent.
3. Severe Headache
A terrible headache can signify a stroke, especially if it comes on suddenly. It’s often described as the worst headache one could have ever had.
What are Neurological Disorders?
A neurological disorder is a medical condition that involves abnormalities in the structure or function of the nervous system, which includes the brain, spinal cord, and peripheral nerves, leading to a wide range of physical, cognitive, or behavioural symptoms and impairments. Some common symptoms of neurological disorders:
Many neurological disorders can cause frequent and severe headaches. These headaches may come with other symptoms like nausea and sensitivity to light or sound.
Dementia is a progressive neurological disorder that leads to cognitive decline, affecting memory, thinking, and daily functioning.
Seizures are characterised by abrupt and uncontrolled surges of electrical activity within the brain. They can manifest as unusual movements, loss of consciousness, or alterations in awareness.
A stroke is a sudden disruption of blood flow to the brain, often resulting in neurological deficits such as weakness, speech difficulties, and memory problems.
What is a Critical Healthcare Insurance?
Critical healthcare insurance is a specialised insurance that provides financial protection in the event of severe illnesses. When an individual covered by this insurance is diagnosed with a critical condition, such as cancer or heart disease, the insurance company disburses a lump sum payment.
This payment can cover various medical expenses, including treatment, hospital bills, and other healthcare expenses. The policyholder can use the funds at their discretion to address the immediate financial needs arising from their illness, helping to alleviate the financial burden during a challenging time.
How Does Critical Healthcare Insurance Provide Support for Stroke and Neurological Disorders?
Insurance for critical illness provides valuable support for individuals diagnosed with strokes and neurological disorders in the following ways:
1. Financial Security
When a person covered under a critical illness plan is diagnosed with a stroke or neurological disorder, the insurance company provides a lump sum payout. This financial support is crucial as it provides them with the necessary funds to address their immediate needs and ongoing medical expenses.
2. Rehabilitation Costs
Healthcare insurance critical illness plans can also help with the expenses associated with rehabilitation and therapy. Financial assistance for this critical recovery phase dramatically enhances their chances of regaining functionality.
3. Home Modifications
In some cases, individuals with neurological disorders might need modifications to their homes to make them more accessible or safe. Critical illness insurance can contribute to the costs of these modifications, ensuring that the individual’s living environment is suitable for their needs and supports their recovery.
4. Lost Income
Stroke and neurological disorders can often lead to a person being unable to work for an extended period. Health insurance for critical illness can provide financial support by replacing lost income. This ensures that individuals and their families can maintain their quality of life, even when unable to work due to their medical condition.
5. Alternative Treatments
Some healthcare insurance also allows individuals to opt for alternative or complementary treatments not covered by standard healthcare insurance. This feature can be useful for individuals with neurological disorders, as it allows them to explore various therapeutic options that may complement traditional medical treatments, further enhancing their chances of recovery.
The medical treatment costs of strokes and neurological disorders can be massive. Thus, having the right healthcare insurance that provides coverage is necessary for peace of mind.
So, if you are looking for comprehensive critical illness insurance then consider Niva Bupa, the best health insurance company in india. Niva Bupa offers a range of ctical illness insurance in India, providing comprehensive coverage for critical illnesses with quick claim settlements and a vast network of hospitals and healthcare providers. Check out their website today.