Is Paralysis covered under Health Insurance? Know here

Anil, aged 35 years, got paralyzed due to a spinal cord injury. His family was worried not just for his health and recovery, but also about arranging the funds to give him proper treatment. Such a situation can happen to anyone. If Anil had thought of purchasing the best health insurance plan for critical illness, his family would not have suffered the financial burden due to his paralysis.

Let us see whether your health insurance policy covers critical illnesses like paralysis.

What is Paralysis?

As children, we were always told that our brain receives signals from our nervous system. But, what if the nervous system stops sending signals to the brain due to an injury? The result of such a drastic situation would be a paralysis attack. What is paralysis? It is a health condition where a person has no control over his/her actions. He/she can’t even move, talk, or respond. The main cause of a paralytic attack is a disconnect between the muscles nerves and the nervous system.

If not treated on time, paralysis may even lead to coma and can be a life-threatening disease. Perhaps, this is the reason that paralysis is counted as a critical illness not just in India but all over the world.

What is the Paralysis Treatment Cost in India?

Needless to say, a person suffering from paralysis must seek immediate medical assistance. It is important for a thorough diagnosis followed by proper treatment. There are different treatments for different types of paralysis. Whether a person’s whole body got affected due to a paralytic attack or just a part of the body got affected? All such conditions are considered when determining the types of paralysis. Further, depending on the type of paralysis and the treatment required, the cost of treatment is determined.

The standard paralysis treatment cost in India ranges between Rs. 7,000 and Rs. 1 lakh. Moreover, you never know the time required to recover from paralysis. So, this may further increase the medical cost.

What is the Importance of a Critical Illness Health Plan?

Dealing with a critical illness like paralysis is not an easy thing. Due to such critical illness, not just the patient but the entire family also faces mental trauma and financial crunch. Therefore, we advise you to plan and opt for Health Insurance for Paralysis.

With your existing insurance plan, you may not be able to get adequate coverage for critical illness treatment and other expenses. At that time, it is essential to get additional financial support in the form of a critical illness health policy. With these policies in your hand, you can proceed with the diagnosis and avail the best treatment for your critical illness without worrying much about the finances. The main importance of a critical illness health plan is to safeguard oneself financially against all sorts of critical illnesses like paralysis.

What are the Benefits of a Critical Illness Health Insurance Plan?

Let’s have a look at some of the Benefits of a Critical Illness Health Insurance Plan:

Substitutes Your Earnings – If a person is unable to resume professional duties due to paralysis, then a critical illness health insurance plan pays the sum insured which can be used for the treatment and other expenses.

Tax-Free Claims – Another remarkable benefit of availing the best health insurance plan for critical illness is that the amount received as claims is tax-free under the Income Tax Act, 1961.

Peace of Mind – The moment a critical illness like paralysis is diagnosed, one may start worrying about health and finances. In such a scenario, with a proper critical illness health insurance plan, you can be at peace of mind without worrying about the finances. All you need will be to concentrate on the treatment and recovery of the patient.

Best Health Insurance Plan for Critical Illness:

Listed below are the Best Health Insurance Plan with Critical Illness Cover:

Aditya Birla Active Secure Critical Illness Plan 

Let us understand the features of Aditya Birla Active Secure Critical Illness Plan:

• Offers three 3 plans, including Plan 1 for 20 critical illnesses, Plan 2 for 50 critical illnesses, and Plan 3 for 64 critical illnesses.
• Offers a quick lump sum amount after the diagnosis of the critical illness.
• Provides coverage for all the critical illness expenses, including, hospitalization, medicine, medical treatment, health check-ups, and recuperation.

Bajaj Allianz Critical Illness Plan

Let us look at the features of Bajaj Allianz Critical Illness Plan:

• Insurance coverage for 10 main critical illnesses like paralysis, and so on.
• Provides coverage to the entire family, including kids above 6 years of age.
• Offers lifetime renewability.

IFFCO Tokio Critical Illness Insurance Policy

Let us look at the features of IFFCO Tokio Critical Illness Insurance Policy:

• Offers coverage for 25 critical illnesses.
• Offers sum assured of up to Rs. 1 crore.
• Comes with a lifelong renewal facility.

Kotak Mahindra Secure Shield Plan

Let us look at the features of Kotak Mahindra Secure Shield Plan:

• Offers coverage for 18 critical illnesses.
• Flexible renewable period of up to 3 years.

Universal Sompo Critical Illness Plan

Let us look at the features of Universal Sompo Critical Illness Plan:

• After the first claim, all the premiums are waived off.
• Provides coverage for 11 critical illnesses like paralysis, and so on.
• Offers cashless hospitalization facility.

The Bottom Line

We assume that by now you must have realized the importance of a critical illness health plan. Make sure to study the terms and conditions along with the other features of the best health insurance plan for critical illness. Having one such plan well planned can save you and your family from the financial burden in case of a future critical illness.