The important question you should ask whenever you buy health insurance is whether your health insurance plan covers paralysis. Unfortunately, the answer would be no because most medical insurance does not cover paralysis. After all, it falls under a critical illness category. Under basic coverage, health insurance plans do not cover any critical illnesses. Therefore, you have to add specific critical illness riders to this base plan to ensure the coverage of a medical condition like paralysis. Since paralysis occurs in the event of an accident or a severe illness, you cannot predict it, but you should always prepare for such expenses.
What is Paralysis and its Types?
Paralysis is a health condition that severs the signals from the brain to the muscles, and the person cannot move the affected body part. The treatment for paralysis is usually a long process with constant medical attention and ongoing expenses. Therefore, you should buy health insurance online with critical illness coverage for paralysis to meet such high treatment expenditures.
There are primarily two types of paralysis, namely:
- Flaccid Paralysis – This paralysis makes the muscles weak, shrunk, and loose.
- Spastic Paralysis – In this type of paralysis, the muscles contract and become tight, resulting in uncontrollable convulsions.
Paralysis can even be categorized as permanent, temporary, complete, or partial, affecting certain body parts or areas. Since paralysis takes a long time to recover, the patient must undergo occupational therapy, physiotherapy, and constant medical attention.
Why Do You Need a Health Insurance Plan to Cover Paralysis?
Paralysis is a critical medical condition that is not entirely curable. The most you can do is to provide continuous treatment to avoid any form of pain and depression. Medical insurance plans with add-on critical illness coverage will help with the constant treatment process. The various treatment plans that doctors recommend for paralysis are:
- Taking regular medicines to control specific effects is required.
- Providing different mobility options like wheelchairs and braces is needed.
- Regular exercises and physiotherapy treatment for recovering certain motor functions in the body parts is another essential requirement.
- Some paralytic patients may even require constant nursing.
- Even occupational therapy is needed and recommended by doctors.
What is the Cost of Paralysis Treatment?
It is necessary to identify the kind of paralysis first to answer this question. Some patients may get temporary paralysis of a specific part of the body, while other patients may have a complete paralytic condition. The treatment of paralysis through a medical insurance policy will depend entirely on the kind of paralysis affecting the patient, and the costs will vary accordingly, too. Even another factor that needs consideration before arriving at the expense of paralysis treatment is the time for some recovery. The treatment cost for paralysis in India through critical illness coverage is usually between INR 7000 to INR 1 lakh.
Why Do You Need a Critical Illness Cover Plan?
You may not have sufficient coverage for a critical illness treatment like paralysis and associated costs under your current insurance plan. Paralysis patients require frequent medical care, from diagnosis to recovery. The cost of treating the condition depends on its severity. For example, the cost would be higher if a paralytic attack afflicts the entire body. However, if only a part of the body is affected, the costs would not be as high. Getting the best mediclaim policy with critical illness coverage is the solution for such expenses. With this insurance, you may get a diagnostic and treatment without worrying about costs. A critical illness health plan protects one financially against catastrophic diseases like paralysis.
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Benefits of a Critical Illness Cover:
There are certain benefits of adding a critical illness cover to your existing health insurance plan that you should be aware of:
1) Tax Deduction of Premiums:
Under section 80D of the IT Act, the premium you pay to add on critical illness cover is eligible for tax deductions which help you to save money.
2) One Single Lump Sum Payment:
Since a paralytic attack patient can no longer work or earn a living, the best health insurance companies make one lump sum payment which you can utilize for treatment or to take care of other daily expenses as you choose. This amount gets paid after a waiting period from when you claim the benefit of the critical illness cover.
3) Claims are Tax-Free:
The lump sum insurance amount you receive from claiming the critical illness cover benefit is tax-free.
4) Remove Worry:
This benefit of having a critical illness cover may seem insignificant, but the assurance of such a cover is a vital relief for the patient and the family. When you, as the patient, know that the insurance company will pay the expenses because you took the best medical insurance, you should focus on your recovery. Likewise, if you are a family member, focus on the patient’s recovery process rather than medical expenses.
Some Exclusion of a Critical Illness Insurance Plan:
- If you incur an accident due to any adventure sport you participate in, the insurance companies will not cover it in a critical illness plan.
- Critical illness cover will not cover the expenses if a war occurs and you get injured or paralyzed.
- This plan does not cover any treatment of cosmetic surgery or obesity.
- It is not advisable to inflict any injury to oneself, and critical illness cover will not pay for such acts.
- Any participation in an activity with one of the defense wings like the air force, army, or navy that causes an accident that leads to paralysis will not get covered by a critical illness plan.
Paralysis is already a complex condition to manage, and worrying about how to pay for therapy makes things more difficult. Purchasing medical insurance with a critical illness policy in advance might be helpful in such situations. If you’re looking for the most effective health insurance plan for critical illness, read the fine print. By having a health insurance plan in the event of a severe illness, you and your family may avoid financial difficulty.
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