You need health cover regardless of what you take two at a time - pills or stairs.
You need health cover regardless of what you take two at a time - pills or stairs.
  • Impact of Common Diseases on Health Insurance

    You must have observed that the healthcare industry has been revolutionizing constantly with a wide range of services and products. Consumers across the globe are becoming conscious about health gradually. Fast paced lifestyles, excessive workload and growing alteration in the environment have affected the health and wellness of people drastically.

    Medical Insurance is something that has come to our lives as the saviour angel. In India, medical insurance is an extremely important category of insurance. Fever is one of the most common diseases in this country. Several people seek medical insurance perks for fever.

    As per the in-house study conducted by ICICI Lombard about insurance policies in 2013, the number of people diagnosed with fever and admitted to the hospitals rose by 89% than 2012. Some of the other common diseases in India are respiratory tract infections and gastroenteritis

    Top medical claims that are not restricted to only critical illnesses:

    Environmental changes, pollution in the air, improper nutrition and dietary influence cause fever. It has become one of the most claimed diseases in the history of medical insurance. In the year 2013, many claims were made from Bangalore, Mumbai and Delhi.

    Other than infectious diseases like malaria, TB and pneumonia, IHD (Ischemic Heart Disease) is also harmful. Besides infections and fever, diseases associated with heart are common in India. Dietary habits and unhealthy lifestyle are the main causes for such issues.

    As far as other lifestyle related diseases are concerned, liver diseases and lung infections are also common.

    Top common diseases that are dangerous:

    Some diseases are extremely common in India. These diseases which are associated with a lot of claims are as follows:

    • Respiratory diseases
    • Tuberculosis
    • Cardiovascular diseases
    • Fever and infections
    • Unintentional injuries
    • Malignant tumors
    • Diarrhoea
    • Dengue
    • Chikungunya

    With the healthcare insurance increasing at a steady rate, claims are not just limited to critical illnesses only. Hospitalisation expenses are taken care of by the insurance organisations. These policies help people a lot in case immediate hospitalisation is needed.

    A very common trend that has been observed by different insurance companies in India is that the claims have gone up high after the diseases like malaria, fever and dengue became prevalent. Apart from the infectious diseases, all-inclusive coverage is offered by the insurance companies for serious health conditions like cancer. This particular disease has increased a lot compared to the past. The insurance seekers have to pay higher premiums for availing cover against cancer.

    It is of utmost importance for the insurance providers to offer coverage for the most common diseases prevalent in this country. Insurance seekers should also research well before choosing an insurance policy. The policy should meet the seeker’s requirements and needs in order to be absolutely effective.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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