Critical Illness Insurance-Is it so critical
A general perception about critical illness insurance cover is that it is a cover for elite people. But the critical illness can strike anyone without any notice. A little bit of planning can provide you safe and secure future.
Indians are at higher risk
The incidence of critical illness is surging day by day. The risks like diabetes, heart attack, renal illness, and hypertension is on rise. Unfortunately, these figures are disheartening for Indians. According to Cancer Aid Foundation, an Indian Charitable organization highlighted the fact that approx 1 million cancer cases will be recorded any year and the more disheartening news is that there will three million cancer patients in India. Recent studies have also highlighted the fact that most of the urban Indians suffer from blood pressure.
In such a scenario, critical illness cover becomes quintessential.
The good news
The good news is that with the advancement of medical studies, improved lifestyle, critical illness is set at a bay. But the bad news is that critical illness treatment cost is exorbitant. Everything has become dearer- tests, treatments, surgeries, and medicines. The sad part of critical illness is it throws life out of order. At such a time, critical illness insurance acts as an armory into the arsenal. It provides a pipeline of income when you are unable to work for prolonged period of time. What is worse, the patients become dependant on their loved ones, for care, treatment, etc and if we apply what if framework to whole scenario we need to answer the following questions
- What if the loved ones don’t care about you?
- What if they leave you alone?
- What if they are depended upon you?
- What if they don’t provide you a proper treatment?
At such a time it is to be better safe than sorry. Getting critical illness insurance will provide you peace of mind, especially when you are struggling to get fit.
A good critical illness life insurance will bring a metamorphic change in your life.
How can you prevent yourself from Critical Illness?
The next major question that you need to answer is what lifestyle changes you can incorporate, to remain healthy and perfect.
Undoubtedly, critical illness life insurance works in your favor, but leading a healthy lifestyle can protect you from various diseases. It is almost as anachronistic as the old rules, who decorate our life with meaningful glitter.
Follow these simple rules to keep all your diseases at a bay
- Eat right and healthy
- Have enough sleep
- Exercise at regular intervals
- Avoid stress, as it can be a cause of delectable concoction
- Dedicate time to meaningful activities
Also, you must try to avoid following things like
- Food and substances that contain unsaturated fatty acids
- Smoking and drug addiction or alcohol addiction
- Overindulgence for ice creams, cookies, or any sugary substance. No doubt, they synthesize our taste buds, but overindulgence is dangerous to our very existence.
- With the rapid transition of transportation system and eventually cutting of forests, has led to pollution, which in turn is a cause of many dreadful diseases.
- Overexposure to mobile radiation.
How to deal with financial burden
No doubt, incorporating changes in lifestyle can prove advantageous, but what about heredity diseases like diabetes. In such a case, obtaining a Critical illness insurance cover is like planning for a rainy day.
It makes sense to insure you from any financial consequences of critical illness, doesn’t it?
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