Things To Know About Health Insurance Covering Multiple Sclerosis

• Written by Care Health Insurance

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The financial impact of dealing with a critical illness can be severe. Hence, it is wise to invest in a critical illness insurance plan. With a specific health cover for critical illness, one can face the uncertainties of life without any hindrance. Here we share facts about Multiple Sclerosis and the need to opt for a critical illness cover. 

What is Multiple Sclerosis?

Multiple Sclerosis is a neurological condition that affects the central nervous system in the body and is known to have a life-threatening impact. Scientists have not yet identified the causes, but many consider it to be an autoimmune disease wherein the body’s immune system attacks healthy tissues. 

What are the Different Types of Multiple Sclerosis?

There are 4 types of Multiple Sclerosis. Every type defines the severity of the disease. The types include-

• Clinically Isolated Syndrome: This syndrome only lasts 24 hours or more in a single occurrence of neurologic symptoms. One may experience infection, fever or another feeling of being unwell.
• Relapsing-remitting MS: Almost 85% of patients diagnosed with MS have RRMS, as it is one of the most prevalent types where symptoms aggravate, followed by complete or partial recovery.
• Primary Progressive MS: Approximately 10-15% of patients with MS are diagnosed with this progressive type of MS. It progresses gradually and can have times of remission and relapse. However during the remission period, one can still feel a deterioration in health. Ones with PPMS may experience constant worsening of the health condition.
• Secondary Progressive MS: Another progressive type of MS, Secondary Progressive MS, causes nerve damage or loss, resulting in the constant progression of the disease.

What are the Symptoms of Multiple Sclerosis?

Multiple Sclerosis is known to be a chronic medical condition that could last lifelong. However, one can manage the disease and control the symptoms through medication and lifestyle changes.

The common symptoms of Multiple Sclerosis range from mild to worse. They include:

• Weakness
• Fatigue
• Muscle Spasms
• Trouble walking or balancing
• Dizziness
• Difficulties with thinking or speech
• Vision and hearing problems

These Multiple Sclerosis symptoms could vary from individual to individual. The symptoms may also get worse over time. 

What Causes Multiple Sclerosis?

The causes of multiple sclerosis are not clear. In some cases, it is genetic and other factors may also aggravate the condition. Below mentioned are common factors that could cause multiple sclerosis-

• Genes
• Vitamin D Deficiency
• Smoke and Alcohol
• Obesity at Early Age
• Viral Infections

Also, women are more susceptible to falling prey to this condition, although the reason is unclear.

How is Multiple Sclerosis Diagnosed?

The diagnosis of this medical condition is crucial. A physical examination, medical tests, and knowing a person's medical history also help identify the problem.

Why is Opting for Critical Illness Health Cover Beneficial?

The treatment of Multiple Sclerosis is prolonged, and there are risks of relapse. One should choose a critical illness plan to stay worry-free about expensive treatment costs. Critical illness insurance is an indemnity-based health plan that would provide much-needed financial support by covering a range of medical expenses. The policy would cover both hospital and medical expenses during the pre and post-hospitalisation stages. Moreover, the no-claim bonus feature enables the policyholder to get an increased sum insured every claim-free year, thus offering an additional safety cushion.

If you have a regular health insurance plan, opting for critical illness coverage is still essential as it would protect you in your hour of need and offer specific benefits. 

To Sum up

Lifestyle changes can significantly help minimise the relapse of symptoms and treat the condition. Multiple Sclerosis treatment methods focus mainly on slowing down the progress of the disease and managing the various symptoms. Besides, alternative therapies and vitamin D supplements are also safe options for treating the condition. Additionally, lifestyle changes are important and include minimising stress, regular exercise, following a healthy diet, and getting adequate sleep. Finally, securing one’s future by opting for health coverage is of utmost importance. One should consider opting for critical illness insurance to protect their finances, focus on recovery, and lead the path to a healthier life. 

Health is the most valuable asset. Choose the best protection for your loved ones by opting for a Critical Illness cover by Care Health Insurance. Visit the official website to know the plan details.

>> Also Read: Why Should You Opt for Two Health Insurance Policies?

Disclaimer: Underwriting of claims for  Multiple Sclerosis is subject to policy terms and conditions.