Health Insurance Policies For Autoimmune Diseases!

Autoimmune diseases are more common in young adults and those in their forties and fifties. People who have a family history of autoimmune diseases are at risk. Autoimmune disorders can develop in people who have been exposed to bacterial and viral illnesses, as well as drugs and metals like silver, mercury, or gold. Continue reading to learn more about autoimmune disease health insurance.

What Are Autoimmune Diseases?

Autoimmune disorders are illnesses or conditions in which the body's immune system mistakenly assaults its own cells. When a person has an autoimmune disease, the immune system misidentifies specific elements of the body as foreign cells, such as the skin, joints, and so on. Autoantibodies are released as a result, attacking healthy cells. 

Women account for roughly 75 percent of those with autoimmune illnesses, according to India's National Health Portal. Furthermore, autoimmune illnesses are more common in young adults and middle-aged people. People who have a family history of autoimmune diseases are at risk. Autoimmune disorders can develop in people who have been exposed to bacterial and viral illnesses, as well as drugs and metals like silver, mercury, or gold.

Treatment Of Autoimmune Diseases

The early symptoms of most autoimmune disorders are the same, such as weariness, muscle soreness, hair loss, skin rashes, tingling or numbness in the hands and feet, and so on. Furthermore, the majority of autoimmune diseases are difficult to diagnose with a single test. As a result, a clinician can diagnose an autoimmune disease using a combination of testing and a long-term examination of symptoms. Unfortunately, most autoimmune disorders are incurable. The doctor's recommended medication can only control the immune system's hyperactive response and provide symptom alleviation. Medicines can help to decrease swelling, pain, and rashes, but they can not cure the disease.

Does Health Insurance Cover Autoimmune Disease?

Yes. In India, health insurance policies cover a variety of autoimmune disorders. Depending on the plan, the amount of coverage might range from Rs 1 lakh to above Rs 1 crore. While certain autoimmune disorders are covered by personalized plans, some may be covered by critical illness insurance. Several insurance companies, for example, provide Type 1 diabetes-specific plans. Critical illness policies, on the other hand, cover Systemic Lupus Erythematosus and Addison's disease. A health insurance policy for autoimmune illnesses covers hospitalization, outpatient therapy, day care treatments, diagnostic test fees, and road ambulance fees, among other things. On the first diagnosis of the ailment, critical illness plans pay out a lump sum benefit. However, the coverage provided by one health insurer may differ from that of another. As a result, before purchasing a health insurance policy, it is advisable to review the forms of autoimmune disorders as well as the coverage benefits. Before selecting a health insurance policy that covers autoimmune diseases, make sure to shop around.

Waiting Period For Autoimmune Disease

Awaiting periods may apply to health insurance plans that cover autoimmune illnesses. Regular health insurance packages that include coverage for autoimmune illnesses contain a 30-day waiting period. This means that the insured may be required to wait at least 30 days before filing an autoimmune disease claim. If the person purchases a critical disease policy, however, there will be a 90-day waiting period followed by a 30-day survival period. The disease will be considered pre-existing if the insured already has an autoimmune disease at the time the policy is purchased. In India, most health insurance plans cover pre-existing disorders after a two- to four-year waiting period. The policyholder can look up the applicable waiting period in the policy's terms and conditions.

Take Away

In India, autoimmune illnesses have become fairly widespread. Because the diseases are incurable, regular therapy is essential to keep the immune system and symptoms under control, resulting in high medical costs. Health insurance policies that cover autoimmune illnesses can help policyholders lessen their financial burden and get the treatment they need when they need it.

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.