Health Insurance For Autoimmune Diseases: Symptoms and Diagnosis
Autoimmune diseases are the conditions that occur when the body’s immune system starts attacking its own cells, perceiving them as foreign cells. This can lead to various health problems as the natural defence mechanism of our immune system itself becomes the source of harm. Over more than 80 types of autoimmune diseases have been found so far, affecting different parts of the human body.
Table of Contents
Autoimmune Diseases Types, Symptoms, And Diagnosis
Most common types of autoimmune diseases are:
|
Type |
Description |
|
Rheumatoid Arthritis |
A condition where the immune system attacks the joints, causing inflammation, pain, and potential joint damage. |
|
Multiple Sclerosis |
A disease that targets the central nervous system, leading to problems with muscle control, balance, and vision. |
|
Systemic Lupus Erythematosus |
A disease where the immune system can attack multiple organs including the skin, joints, kidneys, and brain. |
|
Type 1 Diabetes |
An autoimmune condition where the immune system destroys insulin-producing cells in the pancreas. |
|
Celiac Disease |
An immune reaction to eating gluten, which causes damage to the small intestine. |
Autoimmune Diseases Symptoms
Symptoms of autoimmune diseases vary widely depending on the specific condition but commonly include fatigue, joint pain and swelling, skin problems, abdominal pain, recurring fever, and swollen glands. These symptoms can be chronic, recurring, and debilitating, impacting an individual's quality of life.
Diagnosis
Diagnosing autoimmune diseases often involves a combination of clinical evaluation, blood tests to identify specific autoantibodies, imaging studies, and biopsy. Early and accurate diagnosis is crucial for effective management and treatment.
Why Health Insurance is Important for Autoimmune Diseases?
Health insurance plans provide financial protection to the people suffering from autoimmune diseases. They can get the best and quality treatments without worrying about out-of-pocket expenditures. This will help them in better disease management, which will eventually aid in improving their quality of life. This will also prevent the financial burden on their family members or dependents.
Types of Health Insurance For Autoimmune Diseases
Most of the health insurance companies cover autoimmune diseases in two types of plans:
- Critical Illness Plan: Critical illness coverages are provided for serious illnesses or those that require long-term treatment, like auto-immune diseases. Some of the medical insurance plans come with critical illness coverage, which covers a number of autoimmune diseases, thus providing financial support to many policyholders dealing with such medical issues.
- Disease-Specific Plan: There are many disease-specific plans as well that are exclusively provided. For instance, Type 1 diabetes is an autoimmune disease, and you can find many health plans on the market exclusively made to cover diabetes.
Coverages & Limitations
A health insurance plan covering autoimmune diseases largely covers your hospitalisation expenses, medications, diagnostic tests, doctor visits, etc.
There may be a waiting period of 30 to 90 days depending upon the coverage. In cases of pre-existing disease, the waiting period can extend to one year or more as per your policy terms.
Eligibility Criteria
A typical health insurance policy has certain eligibility criteria like age, pre-existing diseases, medical tests, and exclusions for certain treatments. Not every plan covers the treatment for autoimmune diseases. You have to check with your policy provider about the details of the plans and their benefits and limitations.
Conclusion
Health insurance is indispensable for individuals with autoimmune diseases, providing crucial coverage for ongoing treatments and managing the financial impact of these chronic conditions. Understanding the available insurance options, coverage details, and eligibility criteria is essential for making informed decisions and ensuring access to necessary care.
FAQs
Ques 1: What are autoimmune diseases?
Ans. Autoimmune diseases happen when the body’s immune system starts attacking it’s own cells, considering them as foreign cells.
Ques 2: Can I get a medical insurance policy that covers autoimmune disease?
Ans: Yes, there are many insurance providers that cover autoimmune diseases through a specific disease plan or critical illness plan.
Ques 3: Why should I buy health insurance for autoimmune disease?
Ans. A health insurance policy protects you from financial crunches in the event of any medical emergency. This way you can focus more on your health rather than worrying about expenses.
Ques 4: Is there any waiting period if I buy health insurance covering autoimmune disease?
Ans: Yes, there can be a waiting period of 30 to 90 days depending upon the type of coverage you purchase.
Customer Support
If you have any queries related to your health insurance plan, you can reach out to us at +91-7551196989 or email us at support@insurancedekho.com. Our team at InsuranceDekho will guide you on different plans and will help you to choose the best one as per your needs and affordability.
