Give Your Parents The Security of Advanced Treatments

The prevalence of lifestyle diseases has widely increased, raising serious concerns for healthcare systems globally. Many of these conditions, such as diabetes, heart problems, and some cancers, need special care. This is where it becomes complex.

In case your parents/close ones are diagnosed with a particular lifestyle disease, you might want to help them get the necessary treatment at the earliest, be it any advanced treatment. Nevertheless, receiving advanced treatment in India is not only expensive but emotionally taxing as well.

Under such circumstances, Having a comprehensive health insurance policy is helpful. You can release the financial strain by purchasing a health insurance policy that covers advanced physiotherapy techniques. A health insurance policy can give you access to the best medical facilities, and save you from the financial burden and out-of-pocket expenses under unexpected conditions.

What are Advanced Treatments? 

Advanced treatments are generally based on modern technologies and specific medical equipment to treat an underlying health condition. Such treatments include several medical procedures, including specialist surgeries, targeted therapies and modern medications. 

Each of these therapies helps ease severe to chronic health issues. Moreover, advanced treatments are performed under the expert guidance of medical professionals and in specialised medical facilities to ensure the best results. 

Why is an Advanced Treatment in India Necessary?

Lifestyle diseases are generally non-communicable medical conditions that result from unhealthy habits and choices, such as poor diet, lack of exercise, smoking, and excessive alcohol consumption. Also, elderly people can be vulnerable to many diseases needing immediate medical attention.

As a result, there is an unprecedented demand for advanced medical intervention. Generally,  advanced treatments include a variety of therapies, operations, and medications created especially to diagnose and treat long-term medical issues.

Moreover, these therapies require highly qualified doctors, modern equipment, and advanced technologies. Additionally, the complexity of these treatments calls for specialised facilities and targeted care, which makes advanced treatments considerably expensive. 

In India, the spread of lifestyle diseases is not only limited to the urban areas but is now affecting the rural lives as well. Furthermore, given the high cost of these advanced therapies, it is unlikely that anyone would want to receive them in India.

Thus, getting such treatments can be difficult if you do not have a substantial amount of savings. This might result in lump sum out-of-pocket costs for most families and individuals. Hence, health insurance becomes essential to lessen your financial burden.

Why Invest in Advanced Treatment Coverage Health Insurance Policies?

Investing in a health insurance plan that covers advanced treatments is helpful financially and in many other ways. Below are four primary reasons to invest in a health insurance plan covering advanced treatment in India: 

• Access to High-Quality Medical Care: Individuals with health insurance coverage can access the best medical professionals and facilities nationwide.
• Peace of Mind: Having a safety net to pay for medical expenses if your parents are unexpectedly diagnosed with a disease that needs immediate attention gives you a great deal of peace of mind. 
• Long-Term Health Support: A comprehensive health insurance plan provides long-term health support by offering solid coverage for ongoing treatment, such as advanced physical therapy and diagnosing chronic conditions.
• Eliminating Risks: Investing in health insurance plans that cover advanced treatments helps eliminate the risk of unexpected medical expenses, especially immediate out-of-pocket ones. 

How to Pick the Ideal Health Insurance Policy for Advanced Treatments?

It is crucial to choose the best health insurance plan if you want to get modern treatment coverage. Below are three tips to help you choose the best health insurance plan for your parents.

• Every health insurance policy does not cover certain modern treatments that you may want. Hence, before finalising your policy, make sure you go through the documents and policy wordings thoroughly. Pay attention to the ‘modern treatment’ or ‘advanced medical treatment’ clause.
• Ensure you ask the insurance provider about the upper limit type you seek. 
• Ensure that you evaluate the health insurance provider’s policies that you are about to purchase against the other available insurance providers. 

Best Healthcare Plans that Cover Advanced Treatments:

Any policy that provides comprehensive coverage is identified as the best healthcare plan. Owing to this, Care Health Insurance offers two major plan options that cover advanced treatments. While one is more basic, the other provides more protection. Have a look! 

Care Classic

Care Classic offers solid coverage for advanced medical procedures, guaranteeing that individuals can obtain critical medical care without bearing high out-of-pocket costs. The Care Classic Plan covers: 

• In Patient Care and Day Care Hospitalisation
• Advanced Treatment 
• Global Coverage
• Zone-based premium 
• No Claim Bonus up to 150% of the Sum Insured
• Ambulance cover
• Annual health checkup for every insured member
• Assisted Reproductive Treatment.

Advanced Treatment/Procedures Available Under the Care Classic Plan

• Oral chemotherapy
• Intra vitreal injections
• Uterine Artery Embolization and HIFU
• Robotic surgeries
• Balloon Sinuplasty
• Bronchial Thermoplasty
• Deep Brain stimulation
• Immunotherapy- Monoclonal Antibody to be given as an injection
• Stem cell therapy
• Stereotactic radio surgeries
• IONM (Intra Operative Neuro Monitoring)
• Prostate Vaporisation (Holmium laser treatment/Green laser treatment)

Care Supreme 

Care Supreme offers a cumulative bonus that doubles your coverage in two consecutive years. The best part is that the plan has no sub-limits on treatments. The Care Supreme covers:

• Multiple hospitalisations in a year via unlimited, automatic recharge
• Instant cover for hypertension, diabetes, asthma or hyperlipidaemia post initial waiting period of 30 days
• Robotic Surgery
• Air ambulance up to 5 lakhs
• Advanced treatments
• Zone Based premium
• In-patient care 
• Daycare treatment.

In a Nutshell!

To sum up, investing in a health insurance plan covering advanced treatments is essential for giving your parents the security and peace of mind they deserve as they age.  However, ensure the specific plan aligns with your needs before deciding on one. 

Go through the plan details and other features, such as the waiting period, sub-limits, coverage, copayment, no-claim bonus, renting room restrictions, availability of super top-ups, restoration benefits, coverage for AYUSH treatments, add-ons, etc. This will give you a complete overview of the plan's benefits and functions. All in all, nothing is more important than having solid financial coverage. Comprehensive health coverage guarantees immediate access to the medical resources you need any day, anytime. 

>> Also Read: How to Choose the Right Health Insurance for Parents?

Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.