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Is Paralysis Covered By Your Health Insurance Policy?

Published On Mar 26, 2022 10:00 AM By InsuranceDekho

Paralysis is a medical disorder in which a person loses muscle function for a period of time, which can be transitory, partial, or permanent. Paralysis is caused by damage to a person's neurological system in most cases. When a person is paralysed, the affected area loses its sensory function. The policyholder must select a specific plan that covers medical expenses for paralysis-related illnesses.

Is Paralysis Covered By Your Health Insurance Policy?

Cost Of Paralysis Treatment In India

A person who is paralysed should seek medical attention as soon as possible so that they can receive adequate diagnosis and treatment. When it comes to paralysis treatment, the severity of the condition and the body area that has been damaged by the paralysis attack are factors to consider. The cost of paralysis therapy ranges from Rs. 7000 to Rs. 1 lakh in most cases. Dealing with paralysis is a difficult road to travel, as the patient is subjected not only to mental anguish but also to financial strain as a result of treatment costs. As a result, it is necessary to insure oneself under a solid critical illness health insurance plan in advance of the sickness to be well prepared to deal with it.

Paralysis Treatment Expenses Covered By Critical Illness Health Insurance Plans

1. Bajaj Allianz Critical Illness Plan

Bajaj Allianz's Critical Illness Plan is a health insurance plan that protects policyholders from a variety of critical illnesses, including paralysis, kidney failure, organ transplant, stroke, multiple sclerosis, and more. Pre-hospitalization fees, post-hospitalization expenses, and other health-related expenses are among the advantages offered by the plan.

Key Features 

  • The policyholder is covered for ten critical illnesses, including paralysis, under this plan.
  • A single plan can provide coverage for the entire family. In addition, the plan includes a lifetime renewal option.
  • The sum insured available under this plan is between Rs. 1 lakh and Rs. 50 lakh.
  • The policyholder can take advantage of tax benefits under section 80D of the Internal Revenue Code with this plan.

2. Aditya Birla Activ Secure Critical Illness Plan

When a policyholder is diagnosed with a critical illness, Aditya Birla's Activ Secure Critical Illness Plan helps them deal with the financial burden of treatment bills. The policyholder is financially protected against 64 serious illnesses with this plan.

Key Features

  • The policyholder can choose from three different plans: Plan 1 provides coverage for 20 critical illnesses, Plan 2 provides coverage for 50 critical illnesses, and Plan 3 provides coverage for 64 severe illnesses.
  • The highest sum insured under this plan is one crore rupees.
  • The plan covers a wide range of insurance characteristics, including recovery, medical treatment, hospitalization, and day-to-day necessities, among others.
  • The waiting period for this plan ranges from 90 to 180 days.

3. Universal Sompo Critical Illness Plan

Universal Health Care has a Critical Illness Plan. Sompo is a fixed-benefit health plan that covers a variety of serious illnesses. If the insured person is diagnosed with any of the mentioned serious illnesses during the plan's duration, the insurance company pays the entire sum insured in a lump sum for treatment.

Key Features

  • The policyholder can receive coverage for 11 essential illnesses and surgical procedures under this plan.
  • There are several sum insured options available, ranging from Rs. 2.5 lakh to Rs. 20 lakh.
  • This plan's policy term is one year, two years, or three years.

Take Away

Because paralysis can strike anyone at any time, most health insurance companies include paralysis coverage as part of their critical illness insurance policy. So, the next time you are looking for a health insurance plan, make sure to ask for the greatest rate on a critical illness health coverage plan that includes paralysis treatment as well.

Also read- What You Should Know About the Omicron COVID Variant

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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.

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