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What is Alzheimer’s Disease?

Alzheimer's is a progressive neurological disorder due to which the brain shrinks and the brain cells die, causing an effect on the thinking, memory, and behaviour of the patient. The common symptoms of this critical illness include written and spoken communication issues, changes in mood and behaviour, difficulty in remembering newly learned information, and confusion about time, place, and events.

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**Tax benefits are subject to changes in Income Tax Act.

Alzheimer’s is a type of dementia that affects thinking, memory, and behaviour of the affected person. In the initial stages, the person affected with the disease may stop responding to the environment, face speech difficulties, etc. however, in the later stage, it may even lead to death. Alzheimer’s is an irreversible brain disorder that worsens over time. Also, the greatest known factor is increasing age. Therefore, the illness is more common among people aged above 65 years. But this does not mean that the younger generation can remain unaffected by it. But no matter who is affected with the disease, a person with Alzheimer’s lives for 4-8 years on average after diagnosis. Depending on other several factors, the person’s life can also be as long as 20 years.

Symptoms of Alzheimer’s Disease

Alzheimer’s is a gradually progressive disease that leaves a deep impact on the patient as well as the family both emotionally and financially. Struggling with Alzheimer’s is not easy. When the person is affected with the illness, he/she can face severe health issues that are enough to interfere with their daily tasks. For better understanding, listed below are the common symptoms of the life-threatening disease:

  • Difficulty in completing task
  • Difficulty in solving problems
  • Sudden withdrawal from friends and family
  • Written and spoken communication issues
  • Changes in mood and behaviour
  • Difficulty in remembering newly learned information
  • Confusion about time, place, and events
  • Difficulty in speaking, swallowing and walking
  • Unfounded suspicions about family
  • Trouble understanding spatial relationships and visual images

Treatment of Alzheimer’s Disease

Currently, there is no cure that can stop the disease from progressing. But there are ways that can help to temporarily slow the worsening of symptoms of dementia and improve the quality of life for those suffering from Alzheimer’s. Some of these ways are mentioned below:

  • Drugs like cholinesterase inhibitors, memantine (Namenda)
  • Creating a safe and supportive environment. For instance, keeping the medicines in a secure location, removing excess furniture from home, installing sturdy handrails on the staircase, etc.
  • Alternative medicines to delay Alzheimer’s. These may include vitamin E, omega-3 fatty acids, curcumin, ginkgo, etc.
  • Lifestyle and home remedies. These include exercising, nutrition (healthy food options and water and other healthy beverages), and social engagement and activities (reading and listening to books, gardening or crafts).

Critical Illness Insurance Plans For Alzheimer's Disease

Though any specific cure for Alzheimer’s disease has not been developed yet, thanks to medical science efforts are being made to find ways to treat the illness. Until then, the only way to provide a better life to the patient is to take good care of him/her by medical practitioners and trained caregivers and not to forget having a reliable critical illness insurance policy. There are several reliable health insurance policies for Alzheimer’s in the market, a few of which are HDFC Ergo Health Optima Vital Plan, Care Critical Illness Insurance plan, HDFC Ergo Critical Illness Policy, and Digit Critical Illness Policy. These policies for Alzheimer’s disease offer the insured a lump sum amount on first diagnosis to cover rising medical expenses and ensure quality treatment. The lump sum is paid in a single transaction after the patient completes a specific survival period. The insured can use the amount not only for care and treatment, but also to pay off debts if any, for recuperation aids, or fund any lost income due to inability to handle work. Also, the insured can enjoy tax benefits under Section 80D of the Income Tax Act, 1961 for the premium paid for critical illness insurance policy for Alzheimer’s disease.

Why Buy Critical Illness Insurance For Alzheimer's Disease Online at InsuranceDekho?

When it comes to buying health insurance for Alzheimer’s disease online, InsuranceDekho offers a smooth, transparent, and quick process. All you need to do is visit the official website of InsuranceDekho (www.insurancedekho.com) and enter your personal details. You will be able to see multiple health insurance quotes for Alzheimer’s disease from which you can select the most suitable one as per your budget and requirements. Apart from the simple process, InsuranceDekho offers you several other benefits as well such as:

  • Quick issuance of health insurance for Alzheimer’s disease
  • Several critical illness insurance for Alzheimer’s disease from popular insurers
  • Assistance from experts even after policy purchase
  • Assistance during claim settlement
  • Flexible modes of payment offered
  • Help during policy purchase
  • Online health insurance premium calculator that helps you make an informed buying decision

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FAQ About What is Alzheimer’s Disease?

  • Which health insurance policies cover Alzheimer’s disease?

    Health insurance plans that cover Alzheimer’s disease include HDFC Ergo Health Optima Vital, Care Critical Illness Insurance plan, HDFC Ergo Critical Illness Policy, and Digit Critical Illness Policy.

  • Can I avail tax benefit on the premium paid for health insurance policy for Alzheimer’s?

    Yes. Premium paid for health insurance policies for Alzheimer’s disease are subject to tax benefits under Section 80D of the Income Tax Act, 1961.

  • What is the survival period for Alzheimer’s disease under critical illness health insurance policies?

    Survival period for Alzheimer’s disease under critical illness insurance policies may vary from plan to plan. Generally, it is 30 days.

  • Why do I need a critical illness insurance policy for Alzheimer’s disease?

    Critical illness like Alzheimer’s is associated with an expensive treatment as well as a long recovery process. And a basic health insurance policy may not be enough to offer you the required coverage. Therefore, to reduce the financial burden and get extensive coverage against the illness, getting a critical illness policy that covers Alzheimer’s disease is important.

  • What are the exclusions under critical illness policy for Alzheimer’s disease?

    Common exclusions under critical illness insurance plans for Alzheimer’s are given below: 

    • Any claim made within 90 days of the cover
    • Any claim made during the waiting period
    • Any critical illness in the presence of HIV infection and/or AIDS
    • Congenital external diseases
    • Abuse of intoxicant or hallucinogenic substances such as intoxicating drugs or alcohol
    • Treatment required due to a war or an act of war

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