Communicable Diseases are a global concern, know for which diseases health insurance is necessary in India – check details
Communicable Diseases is a global concern. Research shows that around 1.2 billion people in the world are at risk of many communicable diseases due to lack of access to clean drinking water, healthy food, hygiene and proper sanitization. There are many different types of communicable diseases in India too. Communicable Disease is spread by direct body contact with an infected person, air borne virus, contact with infected person’s fluid or by insect and animal bite. This type of disease can spoil the health from mild to serious level. The treatment of such diseases can be expensive. But a perfect health insurance plan will keep you prepared for any sudden medical expenses. Before purchasing the scheme for any sudden health emergency, search it online, select the right sum assured and then pay the required premium. Before buying any type of health scheme, you must know its premium, coverage limit, sub-limits and exclusions. You should also check the waiting period for a communicable disease as the waiting period may differ according to different health insurance schemes.
Which diseases are a big concern in India?
COVID-19
COVID-19 or Novel Coronavirus is a recently discovered airborne disease caused by SARS-CoV-2 virus. A COVID-19 infected person has mild to moderate respiratory illness. It can be cured with rest and medicine. Coronavirus spreads mainly through droplets in the air. This droplet spreads through the breath of an infected person during coughing and sneezing. For this it is advised to buy a health insurance scheme. Which covers the treatment cost of COVID-19.
TB
Tuberculosis commonly known as TB is an air borne disease. Which spreads through droplet nuclei in the diameter of 1-5 microns. When a person who has pulmonary or laryngeal TB bacteria sneezes or coughs or talks or laughs, it can spread the bacteria in the air. And can infect another person. TB infects human lungs and throat. The total expense of treating this disease under DOTS is less but this treatment lasts for a long time. For this reason, it can increase the financial burden on the patient and his family.
hepatitis
Hepatitis is short term and chronic disease. This can cause inflammation of the liver. However, hepatitis B, C, A and D are spread by blood transfusion of infected person. Its symptoms can be from mild to severe. Hepatitis may cause abdominal pain, fever, loss of appetite, nausea, vomiting, dark urine, joint pain, weakness, and fatigue. The best treatment for any type of hepatitis is anti-viral therapy, which is an expensive treatment. Therefore, you must have a health insurance policy to cover the medical expenses incurred on its treatment.
Human Immunodeficiency Virus (HIV)
Human Immunodeficiency Virus (HIV) is one of the most powerful and easily spread diseases in the world. It destroys CD4 cells in the human body. Due to which the immune system becomes weak. Treatment for HIV involves a special drug called antiretroviral therapy (ART), which is expensive. It is advised to take health insurance to get coverage for its treatment cost.
Malaria
Malaria is one of the most common and dangerous communicable diseases caused by Plasmodium parasite. This parasite spreads to a healthy body through the bite of an infected mosquito. The primary symptom of this disease is fever and chills. Malaria is a common disease occurring in children under 5 years of age. Your doctor treats this disease with medicines related to it. Hospitalization may be required in severe cases. That’s why it is necessary to have health insurance for malaria.
