India's health insurance coverage for cancer survivors and diabetics and cardiac patients

India’s health insurance coverage for cancer survivors and diabetics and cardiac patients

Although India’s basic health indicators have significantly improved since our independence in 1947, including the average life expectancy, infant mortality, and maternal mortality rates, we still have a long way to go before we reach developed or European standards.

Improvements in education, sanitation, and health care facilities as well as an increase in disposable income contributed to these advancements, which in turn led to overall improvements in living standards.

Today we are creating more oats, beats, natural products, poultry, fish and furthermore consuming more subsequently the accessibility of protein in our eating routine has improved especially bringing about taller and better Indians.

However, with an increase in living standards and disposable income comes an increase in consumption of alcohol, tobacco, red meat, and fatty foods.

We’ve become more sedentary and reliant on new technological gadgets, even for the simplest of tasks, as wealth and affordability have increased; Today, we frequently use our mobile phones to communicate with our grocer, pharmacist, maid, electrician, mechanic, etc. from the convenience of our homes.

We also tend to drive instead of walking to the closest convenience store, and we take motorized vehicles rather than walking or biking to get around our neighborhood.

Many of us will have trouble recalling the last time we walked a long distance to catch a taxi or auto rickshaw; nowadays, we typically book taxis that come to our door.

Which alongside lethargic or unconcerned municipal administration has brought about spontaneous advancement across the vast majority of the metropolitan communities where accessibility of consumable water, sterilization administrations are under pressure alongside expanded and unmanaged vehicular, modern, ground, commotion contamination.

An updated definition of overweight was published in 2012 by the Government of India and the Indian Council of Medical Research, and the figures were revised to:

A person is considered to be normal weight if their BMI (Body Mass Index) is between 18 and 22.9 kg/m2. On the other hand, a person who has a BMI of 23-24.9 kg/m2 is considered to be overweight.

A person is OBESE if their BMI is greater than 25 kg/m2.

In 21st century corpulence has taken plague extent in India and over 5% of populace goes under meaning of Hefty.

While examining of 22 SNP ( single nucleotide polymorphism) close to MC4-R-quality, researcher have distinguished a SNP 12970134 to be for the most part connected with midsection periphery. This SNP was found to be most prevalent among the nearly 2000 Indian-American participants in this study.

As a result, we are genetically predisposed to abdominal obesity, which ranks third in terms of mortality after cardiovascular disease and diabetes type 2.

Obesity accounts for 3-5 million deaths worldwide, a loss of 3.9 percent of life years and 3.9 percent of disability-adjusted life years.

The number of Indians with non-communicable lifestyle-induced diseases like cancer, cardiovascular and vascular diseases, diabetes, hypertension, mental illness, and breathing disorders like asthma, among others, has increased.

In India, how prevalent are non-communicable diseases like diabetes, cardiovascular disease, and cancer? ( Reference: Background papers published by the National Commission on Macroeconomics and Health (NCMH) on the burden of disease in India. The numbers for diabetes, cardiovascular disease (CVD), and cancer are alarming. The majority of new cases are reported from urban areas, and younger men and women are just as vulnerable as older men.


India is expected to become the world’s diabetes capital; approximately 4.6 million Indians were diabetic in 2015.

The predominance is assessed as:

Diabetes affects about 6% of the population in the 30-39 age range.

It is estimated that 13% of people between the ages of 40 and 49 suffer from diabetes.

Diabetes affects about 20% of people over 70, according to estimates.

Diabetes has been identified as a major factor in the rise in cardiovascular and vascular disease (CVD) patients in India.

Cardiovascular Illness (CVD):

Around 6.4 million Indians were thought to have one of the conditions that could be considered cardiovascular disease (CVD).

Acute myocardial infarction, angina pectoris, congestive heart failure (CHF), and inflammatory heart disease are all components of coronary heart disease.

It is expanding in provincial regions it is assessed to impact 13.5% of rustic populace in age bunch 60-69 years.

Young adults over the age of 40 are being diagnosed with cardiovascular disease at an increasing rate.


In 2016, it was anticipated that nearly 10 million new cases of cancer would be diagnosed, resulting in 670,000 deaths.

Cancer is responsible for 5.1% of all disease burden and 9% of all deaths worldwide; in India, it is responsible for 3.3% of all disease burden and 9% of all deaths.

Health insurance companies’ response to the rising disease burden:

Taking a gander at the huge number of individuals being analyzed and being impacted by expanded infection trouble, it’s undeniably true that this multitude of sicknesses or conditions are dismissed as prior conditions and dangers are not acknowledged by any insurance agency.

The best response has been a benefit policy from life insurance companies that offers fixed-term plans for cancer or heart disease, but the diagnosis must occur during the policy period in order to pay the benefit.

Most claims under the Critical Illness Benefit Policy, also known as the survivor benefit plan, can only be made once the disease reaches the third or fourth stage of manifestation. This is especially true for cancer, where many cases are diagnosed and treated completely during the early stages and do not become critical.

There are currently no plans at all for people who have been diagnosed with these diseases or who have survived them. Some insurance companies have tried to launch products for people who have a preexisting condition or have survived them, but their efforts appear to have been ineffective.

New India confirmation have sent off Malignant growth care strategies with Indian disease society and CPAA however both these approaches reject existing disease patients or Disease Survivors and just enlist individuals who have no indication of disease.

Health care coverage Approaches for Cardiovascular Sickness Patients:

The Star Cardiac Care policy has been introduced by Start Health and Allied Insurance for individuals who have undergone PTCA or CABG within the previous seven years.

Several aspects of the Cardiac Care insurance policy:

The policy has two sections: the first is normal health insurance with PED coverage after 48 months, a 2 percent cap on room, doctor, and nursing costs up to Rs. 5000 per day, and liability is limited to 80% of package rates.

However, segment 2 covering giving inclusion to known heart cases there is no constraint other than SI.

Under this policy, there is a 91-day waiting period before a person can claim for any complication due to a preexisting cardiac condition. Diabetes-related health insurance plans:

In Diabetes space there are two items Diabetes protected from Star Wellbeing and Partnered insurance agency and Energy Medical coverage plan from Apollo Munich Health care coverage organization:

The following is a comparison of the two products:

Insurance provider: Product from Star Health Insurance: Who is covered by the Diabetes Safe Insurance Plan?

Patients with Type 1 and Type 2 diabetes. Plan number:

Plan A requires a pre-acceptance medical examination, while Plan B does not. Waiting period: In plan A no holding up period, in plan B 15 months hanging tight period for inclusion of sickness connected with CV framework, Renal Framework illness of eyes and diabetic fringe vascular sickness, foot ulcers

Family floater choice: available,both plans have 2 segment one area covers

benefits under family floater and segment 2 is intended for diabetes care.

Rs. sum insured 300,000, to Rs. Income Tax Benefit of $100,000: Under 80(D)


The limitations of cataract are as follows:

For SI 3-500,000 risk to Rs.20,000 per eye individual and Rs. 30,000 for SI Rs. per policy period 10,00000 obligation restricted to Rs. 30,000 for each eye and 40,000 for the duration of the policy. The limitations for diseases of the cardiovascular system are as follows:

For SI 300,000 obligation restricted to Rs.200,000

For SI 400,000 Obligation restricted to Rs.250,000

For SI 500,000 obligation restricted to Rs. 300,000

For SI 10,000,00 risk restricted to Rs.400,000

Cost of fake appendages restricted to 10% of SI assuming removal is connected with diabetes.

Insurance Agency: Product: Apollo Munich Health Insurance Co. Ltd. Who is covered by the Energy Health Insurance Plan?

Covered conditions include hypertension, impaired glucose tolerance, impaired fasting glucose, and Type 2 diabetes.

Plan number: Waiting period for a single plan: No holding up period, day 1 hospitalization emerging out of diabetes and hypertension

Family floater choice: No, arrangement accessible on individual premise

Aggregate Guaranteed : Rs. 200,000 to Rs. 10,000,000

Annual Tax cut : Under 80(D)

Restriction: There are no restrictions on VAS: Wellbeing mentor, telephonic conference, wellbeing line, limits, admittance to health entryway that conducts HRA, stores clinical record

Discretionary VAS administrations: program for diagnostic monitoring and health management).

Rewards: Benefits for good health management in addition to discounts on premiums: For the best health insurance options for your company, please visit us at: Please visit us at for the best health insurance options for yourself and your family:,, and

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