भारतातील सर्वसाधारण गंभीर आजार आणि त्यांचा उपचारांचा खर्च

कर्करोग किंवा हृदयाच्या आजारांसारख्या जीवघेण्या आजारांच्या घटना वाढत आहेत.. भारतीय वैद्यकीय संशोधन परिषदेनुसार दरवर्षी लाखो नवीन कर्करोगाचे रुग्ण भारतात आढळतात.. हृदयाशी संबंधित आजारांसाठी, लॅन्सेटने प्रकाशित केलेल्या दुसऱ्या अभ्यासानुसार ग्रामीण भारतातील मृत्यूची संख्या शहरी भारतापेक्षा जास्त आहे.. निरोगी जीवनशैलीमुळे हृदयाच्या आजारांसारखे जीवघेणे आजार होण्याची शक्यता कमी होऊ शकते, तर कर्करोगासारखे इतर अप्रत्याशित असू शकतात.. यापूर्वी, असे आजार होण्याची शक्यता दुर्मिळ होती, परंतु आता गोष्टी बदलल्या आहेत.. आपल्याला कर्करोग, हृदयाचे आजार, मूत्रपिंड आजार यासारख्या गंभीर आजारांनी ग्रस्त व्यक्तीविषयी अनेकदा ऐकायला मिळते, किडनीचे आजार आणि अधिक. तसेच, या गंभीर आजारांसाठी उपचारांचा खर्च खूपच जास्त आहे आणि तुमच्यासाठी आणि तुमच्या कुटुंबासाठी आर्थिक धक्का ठरू शकतो.. गंभीर प्रकरणांमध्ये, तुमची बचत तुम्हाला कर्जाच्या सापळ्यात घेऊन जाऊ शकते किंवा तुमच्या आर्थिक उद्दिष्टांपासून दूर नेऊ शकते.. अशी भयानक परिस्थिती टाळण्यासाठी, तुम्हाला क्रिटिकल इलनेस कव्हर निवडण्याचा सल्ला दिला जातो.. जर तुमच्याकडे यापूर्वीच असेल तर मेडिकल इन्श्युरन्स पॉलिसी, तुम्ही त्यामध्ये क्रिटिकल इलनेस इन्श्युरन्स ॲड-ऑन जोडण्याचा विचार करावा.. तसेच, गंभीर आजार इन्श्युरन्स स्टँडअलोन पॉलिसी म्हणूनही खरेदी केले जाऊ शकते

अधिक वारंवार घडणारे गंभीर आजार आणि त्यांच्या उपचारांचा खर्च येथे दिला आहे 

1. कॅन्सर

Cancer is a genetic disorder where the body experiences uncontrolled cell growth in a particular part or organ that can spread to other parts of the body. The carcinogenic cells are responsible for triggering such cell growth. Such an unregulated cell growth leads to the formation of lumps which are early signs of cancer. Cancer is one of the fastest-growing diseases for which more and more people are opting a health cover. With its exorbitant treatment cost, it is a prudent thing to buy critical illness insurance for availing treatment. A study by the Indian Council of Medical Research (ICMR) estimates that deaths due to cancer to cancer will cross the ?8.8 lakh mark by 2020. In case the breadwinner of the family is diagnosed with it, it surely is going to affect the finances of the family. Cancer treatment requires several visits for check-ups, along with chemotherapy and medicines. These medicines do not come cheap, and a क्रिटिकल इलनेस पॉलिसी plan comes handy. Chemotherapy cycles cost anywhere between ?1 to ?2 lakh whereas the drugs range between ?75,000 to ?1 lakh. All in all, cancer treatments can set you back by more than ?10 lakhs depending on the severity of the disease.

2. हृदयरोग

There has been a significant rise in deaths due to cardiovascular diseases. One of the leading causes is stroke and ischemic heart disease. Unhealthy eating habits, consuming food with high cholesterol, stress, hypertension, obesity, and smoking are some of the primary reasons for the increase in the number of cardiovascular ailments. Coronary artery disease, congenital heart disease, pulmonary stenosis, and dilated cardiomyopathy are some of the common forms of heart ailments prevalent in India. The rise in heart ailments is primarily attributable to changes in lifestyle. The treatment of these cardiovascular problems is an expensive affair. It can start from ?3 lakhs and upwards and depends on the complication of your heart condition. Moreover, there is consistent follow-up for these treatments, which can draw a hefty hospital bill. A critical illness cover will help you safeguard your savings at such times with the lump-sum payout facility. It can help you in getting the right treatment from a specialist medical professional at a specialised facility.

3. किडनीचे आजार

Studies indicate that one in ten people suffer from a disorder of the kidneys. While the treatment is possible, it is quite expensive when compared to other treatments. Dialysis and a kidney replacement are the treatments required to treat the disorder or dysfunctioning of the kidney. While not everyone who suffers from one can afford a replacement, only one in four can even afford dialysis too. This may be a shocking number as the treatment cost of dialysis can start around ?18,000 - ?20,000 whereas a complete match for transplant is relatively difficult and can cost upwards of ?6.5 lakh mark. Further, after a successful transplant, the dependency on steroids, supplements and immunosuppressants increases, which will recurrently cost around ?5,000. These frequent medical expenses can burn a hole in your pocket and purchasing a critical illness insurance policy can cover most of your treatment cost.

4. लिव्हर सिरोसीस

The cases of liver cirrhosis are on the rise with around 10 lakh people being diagnosed with it each year. According to the World Health Organisation (WHO), this is the tenth most common cause of death in the nation. Once diagnosed with cirrhosis, a transplant of your liver is the only treatment available failing which the patient can die within a couple of years. Since its treatment requires nothing but a transplant, it is an expensive treatment and ranges between ?10 - ?20 lakhs. Moreover, finding the right donor is equally tricky. Also, post-transplant, there is a requirement of immunosuppressants which further increase the cost and make having critical illness cover a boon.

5. अल्झायमर्स आजार

With an increasing number of older people, the chances of an older person being gripped by Alzheimer’s is also increasing. India Ageing Report of 2017 mentions the rate of growth of the elderly population to be around 3%. This can mean more and more cases of Alzheimer’s coming up. The treatment for Alzheimer’s requires frequent and recurring doses of prescription drugs. These medications cost upwards of ?40,000 per month. With the severity of the illness, the intensity of the medication needs to be increased and can shoot up the price of your medicines too.

सारांश

आरोग्यसेवेच्या या वाढत्या खर्चांना लक्षात घेऊन, भारतात क्रिटिकल इलनेस इन्श्युरन्स खरेदी करण्याची शिफारस केली जाते.. तुम्ही केवळ उपचारांचा खर्च कव्हर केला आहे याची खात्री करू शकत नाही, तर तुमच्या कुटुंबाला कठीण वेळी खूप आवश्यक आर्थिक सहाय्य मिळेल.