- About Coverfox
One disease that has been threatening the lives of many around the globe is tuberculosis or TB. Unfortunately, India witnesses the most number of deaths by this deadly disease every year. Though there have been the inventions of many medications and antibiotics for the cure of this airborne disease, still cases are significantly reported.
Going into what is tuberculosis, it is a bacterial infection that affects your lungs and in severe cases can spread to the spine and brain too. Tuberculosis is caused by the bacteria called Mycobacterium tuberculosis. It is a highly contagious disease that spreads through the air if an infected person sneezes, coughs, or shares mucus with others.
Mycobacterium tuberculosis is the bacteria that causes Tuberculosis disease. Once inside the body the bacteria first of all attack the lungs and respiratory tract of the person destroying his lung tissues and causing breathing problems. Tuberculosis can also cause permanent lung damage. Not only this once inside the body, but the TB bacteria Mycobacterium tuberculosis also attacks brain cells, spine cells, kidneys, etc.
Tuberculosis spreads through the air like normal flu or cold. A person with active TB can affect others if he talks, sings, sneezes or coughs. This bacteria doesn’t transmit through surfaces so shaking hands or sharing a room wouldn’t make you sick.
However, there are more chances of you getting tuberculosis if
Not everyone who gets mycobacterium tuberculosis bacteria inside his body is likely to get infected with it.
There are two forms in which TB exists:
In this scenario, you have the bacteria inside your body but your immune system has barricaded it from spreading around. However here there is always a chance that you will get infected one day as the infection is alive inside you. latent Tb showcases no symptoms. Moreover, if you have or previously had an HIV infection or other immune-related diseases then you are likely to get infected by TB.
Very suggestive from the name, when the bacteria full-fledged spreads in your body damaging your organs then the stage is called Active TB. The germs multiply and make you sick whereas on the other hand make you a medium to travel to other bodies as well.
There are two more terms that come along with tuberculosis which is pulmonary tuberculosis and miliary tuberculosis. In simple terms, pulmonary tuberculosis is where the TB bacteria only affects the pulmonary tract of the person whereas military tuberculosis is one where the bacteria spreads across the whole body.
Tuberculosis sadly still, remains a major killer. Though a body with a strong immune system can prevent you from falling sick, often your body can harbour harmful bacteria. While TB mostly affects the lungs it can sometimes affect your kidneys, brain and spine. Some common symptoms of TB include:
As we have discussed, Tuberculosis is a rather serious disease that can affect the lungs. The following measures can be taken to avoid the spread of tuberculosis. However, if you have a persistent cough, fever, or night sweats you must consult your doctor at the earliest.
In India, most health insurance cover Tuberculosis as a critical illness. Certain insurers offer a Tuberculosis cover. It is therefore highly recommended that you consult an insurance expert or compare different plans before making a selection.
|Name of the Plan||Best Features|
|Bajaj Finserv Tuberculosis Cover||
Helps you in getting timely and good quality highly care
At INR 99 a year, you can get an indemnity benefit that can go up to INR 50,000
Covers doctor’s fee and diagnostic tests
Let us take a look at the multiple benefits that you get with health insurance for tuberculosis:
When you have the right insurance plan, you can safeguard your hard-earned savings. Otherwise, the treatment of a critical illness such as TB can dig deep into your corpus.
Another dangerous aspect of a deadly disease is the high cost of its treatment. With the right policy, you will be able to afford good quality treatment without having to worry about the expenses.
Getting a health insurance policy is an investment. It not only covers your medical expenses but also saves you from anxiety as well.
Under Section 80D of the Income Tax Act, the premium that you pay towards the health insurance is tax-exempted.
A health insurance policy for Tuberculosis or a Tuberculosis Cover generally include the following. It is, however, suggested that you check your specific policy document for the same:
The following conditions are not covered:
Yes, certain health insurance companies cover tuberculosis in health insurance. It may be covered under a critical illness or as an add-on cover.
Yes, tuberculosis is indeed a critical illness. It is highly contagious and affects different body parts.
If you invest in a fixed benefit health insurance policy, you will be eligible to receive a lump sum payout when you are diagnosed with TB. the money received will be based on the coverage offered by the plan.
Yes, it is covered, however, the coverage will depend on the kind of plan selected.
Yes, all the government hospitals, community health centres and public health centres offer free treatments for TB in India.
It is extremely important that when you buy an insurance policy, you report tuberculosis or any other medical condition. Hiding any such information can lead to the cancellation of your policy without any benefits.
Australia has one of the lowest rates of tuberculosis in the world. As per the 2015 reports, there are only 5.3 cases per 1 lakh people in Australia.
Tuberculosis can be completely cured with the right medication taken for the right duration. However sometimes people with active TB get infected again and again, this happens when the bacteria remain dormant inside the person’s body.