You might not have ever heard of the term “lifestyle diseases” before, but you may be surprised to learn that many common ailments are considered lifestyle diseases. Lifestyle diseases are chronic health problems that develop as a result of bad habits and unhealthy behaviours. They can include everything from heart disease to diabetes, obesity, and kidney failure. The good news is that many insurance providers now provide coverage for these illnesses; however, it’s essential to know where those policies stand so you don’t end up paying more than necessary out-of-pocket.
The best thing you can do is consider the different aspects of health insurance and then decide. Like, Aditya Birla claim settlement ratio is above 90%, and you also have a greater possibility of getting your claim resolved. So, it would be best if you made your decision on a solid basis.
Rising Incidences of Lifestyle Diseases in India
India is witnessing an alarming rise in lifestyle diseases, which are directly related to unhealthy living. According to a study conducted by the World Health Organisation, about 95 % of all diabetes cases and 60-70% of cardiovascular disease cases can be linked back to individuals not following their dietary requirements or exercising adequately.
No matter what the cause of these lifestyle diseases is, you should always be prepared for the future. Another great option would be ICICI Lombard General Insurance. The ICICI Lombard claim settlement ratio is an incredible 78.67 %, and you can make use of a variety of extra services like health check-ups, online meet up with physicians, e- consultation, and speech, physiotherapy, or audiology consultations.
How To Prevent Lifestyle Diseases?
Many factors can contribute to a person becoming ill. The leading causes of lifestyle diseases are smoking, drinking, and overeating. Lifestyle Diseases can include cancer, heart disease, high blood pressure, asthma, type II diabetes, and Alzheimer’s Disease. It is essential to know the risks for these diseases so that you can prevent them from occurring in you or your loved ones.
A healthy lifestyle includes a balanced diet, regular exercise, and having an appropriate body weight for height and age. It is also essential to have adequate sleep time each night to maintain good health. Quitting smoking or drinking alcohol can be very helpful if you want to reduce the risk of developing lifestyle diseases.
How To Buy The Right Insurance For Lifestyle Diseases?
Since you should maintain your exercise routine and nutrition, you should also budget for medical emergencies. It’s a must to have adequate health insurance. While it comes to lifestyle diseases, there are three factors to bear in mind when choosing a health insurance policy:
1. Buy when age is on your side
Some of these diseases are covered by your health insurance policy. You should know that preexisting conditions cannot be treated in an ER or hospital without prior authorization from the insurer. Some insurers may require documentation to establish that the condition existed before coverage began and is not due to any injury during this period if you have a lifestyle disease.
2. Wide coverage
Make sure your policy includes coverage for lifestyle problems as well as other catastrophic diseases.
3. Research well
You may evaluate several plans and choose the best health insurance in India that best matches your requirements and budget by purchasing the insurance online.
The Bottom Line
While a stationary way of life and unfortunate dietary patterns can help the course of life illnesses discover their direction into each other’s family, the pandemic has exacerbated the situation. In this way, put forth an additional attempt to remain fit, regardless of whether you are cooped at home, and benefit from the right medical coverage.