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HEALTH INSURANCE

Most Common Diseases in India: Its Impact on Health Insurance

Neha Gadoo Neha Gadoo 27 January 2017
3.0 (17 votes)

You may have witnessed that the healthcare industry is constantly revolutionizing with its wide range of products and services. Consumers are gradually turning health conscious. Sadly, excessive work load, fast-paced lifestyles and increasing alterations in the environment have drastically affected the wellness of people in India.

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Medical insurance has thus come to our rescue and is one of the sought-after insurances in India. Fever is among the most common diseases in India. In fact, this has become the second disease for which, people are largely seeking medical insurance benefits.

Fever: The Most Common Disease for Which People Claim Medical Insurance Benefits

According to the ICICI Lombard’s in-house study regarding the insurance policies, it was found that in 2013, the people who were admitted to hospitals for fever rose by a whopping 89%, in contrast with 2012.

Apart from fever, the other common diseases for which claimants of medical insurance increased were gastroenteritis as well as respiratory tract infections. In the year 2013, it was observed that the number of patients in these diseases’ claims were almost twice than 2012. Considering the situation, one can imagine the plight in the present year.

Top Medical Claims Not Restricted to Critical Illnesses Alone

If truth be told, the medical insurance claims have not remained restricted to critical illnesses now. Among the top 10 diseases for which people want medical benefits, is fever. Other infections that have become quite common are also making a place in the list of most common diseases in India.

Insurance experts believe that factors like unseasonal rains or major changes in the weather lead to increase in hospitalization. This was majorly for illnesses related to fever and infections.

Most Common Diseases, Medical Insurance and Factors Affecting Them

Improper nutrition, environmental changes, air pollution and dietary influence lead to fever being the most claimed disease in the medical insurance policy of people. In 2013, most of the medical insurance claims were claimed from Mumbai, followed by Delhi and Bangalore.

Apart from the infectious illnesses, such as, malaria, pneumonia and TB, Ischemic Heart Disease (IHD) is also a deadly killer. Besides fever and infections, heart diseases have become the most common ailments in India. Unhealthy lifestyle and dietary habits is the leading cause of such issues.

When it comes to other lifestyle-related common diseases in India, lungs and liver related diseases are not far behind.

Top Killer Diseases in India That Have Become Quite Common

The diseases, for which maximum health insurance claims are taken, include:

  • Cardiovascular diseases
  • Respiratory diseases
  • TB
  • Tumors and malignant
  • Digestive diseases
  • Fever and infections (especially malaria)
  • Unintentional Injuries
  • Diarrheal Diseases

Will Your Medical Insurance Cover Such Diseases?

Most plans from reputed private insurance providers in India are all-inclusive. You must understand the hidden clauses that one should understand. It is of paramount importance to browse through the fine print of your policy document. Try to read in between the lines and understand everything carefully.

Once you are through with the terms and conditions, opt for a medical insurance that gives optimum cover. Check if it includes the most common diseases in India, apart from the obvious critical illnesses.

What do insurance experts have to say about this? Improvement in lifestyle and eating habits can implement a considerable change in your health. Thus, it reduces the need of health insurance claims or unnecessary hospitalization.

List Of Most Dangerous Common Diseases in India

Cancer

The leading five types of cancers among men and women, as in the illustration below, account for 47.2% of all cancer patients in India.

  • MEN: Lip, Oral cavity, Lung, Stomach, Colorectal & Oesophagus
  • WOMEN: Breast, Lip, Oral cavity, Cervix, Lung & Gastric

Primary Cause:

Cancer is caused due to change or mutation to the DNA within cells of organs in a human body. This change can cause the cells to stop its normal function, leading to the cell becoming cancerous.

Preventive practises:

  • Quit smoking
  • Avoid exposure to excessive harmful UV rays to control the risk of skin cancer
  • Restrict excessive drinking
  • Maintain a healthy drinking habit

HIV/AIDS

Human immunodeficiency virus infection and acquired immune deficiency syndrome (HIV/AIDS) is a spectrum of condition caused by infection with the human immunodeficiency virus. As the infection progresses, it interferes more with the immune system, increasing the risk of developing common infections such as tuberculosis, as well as other opportunistic infections, and tumors that rarely affect people who have uncompromised immune systems.

Primary Causes:

  • Hereditary, wherein the virus is transferred from a mother to a child during pregnancy or breastfeeding
  • Sexual contact
  • Sharing infected needles
  • Using contaminated blood during blood transfusions

Preventive Practises:

  • Safe sex
  • Get immediate medical care if you are HIV-infected and pregnant
  • Emphasize on using a new needle and uninfected blood during blood transfusion

Cardiovascular Diseases

Cardiovascular diseases have been on the rise in India since the last few years, mostly due to sedentary lifestyle and lack of a nutritious diet. Surprisingly, cardiovascular disease in the country occurs 10 to 15 years before it does in the west.

Primary Causes:

  • Hereditary
  • Obesity due to insufficient physical inactivity
  • Diet lacking the right nutrition
  • High cholesterol and high blood pressure
  • Consumption of tobacco

Preventive Practises:

  • Maintain a healthy and balanced diet
  • Regular physical activity to maintain the right weight
  • Quit smoking and tobacco usage

Conclusion

Lifestyle diseases have been increasing in the recent times, owing to a healthy lifestyle. While we make a conscious effort to follow a disciplined fitness routine and healthy diet, it is important for us to be financially prepared for planned and emergency hospitalization and medical care. After all, medical conditions are not always a fallout of a poor lifestyle. It may be hereditary as well. A comprehensive health insurance would serve as a financial shield against all odds.

Recommended Read: Pre Existing Diseases in Health Insurance

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3.0 (17 votes)
Neha Gadoo
Written by Neha Gadoo
Daring and Bold, Neha loves philosophy, trekking and walking bare feet in the rain. Loves talking and can stare out of a car window for hours continuously.
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