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With the healthcare industry constantly revolutionizing and expanding its range of products and services, here's a quick read on what the most common diseases are and their impact on health insurance.
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 in-house study regarding the insurance policies under taken by insurers, it was found that people who were admitted to hospitals for fever rose by a whopping 89%, in contrast with the previous year.
Apart from fever, the other common diseases for which claimants of medical insurance increased were gastroenteritis as well as respiratory tract infections. It was also observed that the number of patients in these diseases’ claims were almost twice than the previous year. Considering the situation, one can imagine the plight in the coming years.
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. Most of the medical insurance claims were from metro cities like 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.
The diseases, for which maximum health insurance claims are taken, include:
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.
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.
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.
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