Cancer won’t ring the doorbell…
Cancer is a deadly adversary. You may not be able to prevent it, but you can get quality healthcare with the help of critical illness insurance.
In recent years, the sceptre of cancer has been looming large over many people, with rising numbers of the population falling prey to the deadly disease. The disease spares no-one — not young children, not senior citizens, not those in the prime of their lives. It creeps up unexpectedly and changes life in an instant. A niggling pain is diagnosed as a tumour, a bout of fever and repeated infections is seen as a symptom of blood cancer, fibroids progress into ovarian cancer…the disease mutates into many forms and it is quite difficult to beat.
However, not every person diagnosed with cancer is in the end spectrum of the disease. Many people are able to fight it and emerge healthy again — notable instances are sportspersons Yuvraj Singh and Lance Armstrong, politician Sharad Pawar and actor Michael Douglas, to name just a few of many examples. Proper diagnoses and treatment, careful diet and regular exercise are all key in staving off cancer and regaining a good quality of life.
But more than the disease itself, most people are frightened by the exorbitant costs of treating cancer. The disease requires daily medication in the form of tablets and injections, and severe cases may need surgery and repeated bouts of radiation and chemotherapy. It wipes out not just your savings but also puts you in debt. Yet, there is a way out of the financial quagmire that cancer can plunge you in — buy a health insurance plan with a critical illness insurance component.
Why take critical illness insurance?
Cancer rarely announces itself, and it never rings your doorbell before it arrives. You may not be able to prevent the onset of cancer, but you can certainly safeguard your finances while treating it. A critical illness insurance policy helps you tide over the financial problems that cancer treatment can bring.
The best critical illness insurance plans in India today offer coverage for the diagnosis of cancer of a specified severity, apart from such end stage diseases as liver failure, coma of specified severity, complete loss of vision, multiple sclerosis, pulmonary arterial hypertension, stroke leading to permanent symptoms and/or disability, first heart attack of specified severity, and kidney failure requiring weekly dialysis. It also covers surgeries required for bone marrow/organ transplant, CABG, aorta graft surgery, etc.
Since the critical illness insurance plan takes care of these major heads of expense, you can concentrate on your treatment and getting better instead of worrying about how you will procure the money for treatment.
How it really helps
The critical illness insurance plan can replace the income that you lose while you get treatment, while you also get access to timely and quality healthcare. The policy also covers daily expenses and offers a sufficiently large coverage amount to meet the treatment costs.
