Cover against critical illnesses is imperative

We have all felt stress at some point in our lives, be it at the age of six when you are first going to school, at the age of 16 when you are giving your first board exam, to making a career and once you start your own family. Stress is a feeling where you are overloaded with work or pressure and are struggling to manage with demanding timelines which can lead to chronic illnesses.

According to Optum’s study on Health Risk Assessment 2016, about 46% workforce in urban India suffers from stress. In this fast-paced life, it is necessary to give yourself a break by finding ways to reduce anxiety and stress by practicing yoga, zumba and breathing exercises.

People living in cities are more prone to heart attacks than in villages and as the years are passing, the attacks amongst youngsters are increasing. According to the Indian Heart Association, about 50% of heart attacks occur in Indians under 50 years and 25% occur under 40 years of age. Hence, availing a health insurance policy, that covers the risks of cardiac-related ailments is essential. Buying the right health insurance policy leads to a stress-free life too. One should opt for policies that cater to their personal and financial needs.

There is always a risk of critical illnesses to happen again. The trauma of the surgery and the financial burden is only known to those who have already undergone the treatment. But cheer up and don’t stress. There are companies who offer a dedicated plan in order to cater to the needs of the patient who have undergone angioplasty and bypass surgery in the preceding two to three years and covers pre-existing diseases as well. They also cover accidental death and offer outpatient benefits.

One can also avail critical illness cover that offers financial protection against illnesses such as a heart attack, cancer, chronic kidney disease, brain tumour, stroke, organ transplants etc. The only condition is that it must be a first-time diagnosis incident in life.

It is been said that India witnesses over two million heart attacks a year majority being youngsters. The procedures to treat your heart become heavy on the pocket. Hence, it is essential to buy a suitable health insurance.

PROTECTING AGAINST

• One can get cover for illnesses such as a heart attack, cancer, chronic kidney disease, brain tumour, stroke
   
• The only condition is that it must be a first-time diagnosis incident in life

The writer is CEO, Star Health Insurance