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Alzheimer's disease is a disorder that impacts the memory, behaviour and thinking ability of an individual over time. It is often considered to be the first form of dementia and can easily cause issues in a person’s day-to-day life.
Given the seriousness of this medical condition, it is crucial to know whether there is any health insurance for Alzheimer's. This blog discusses the inclusion of Alzheimer's disease in health insurance to help you plan for the necessary medical expenses.
Alzheimer’s is a disease that directly impacts a person’s ability to think and remember things. Moreover, it impacts their behaviour, resulting in difficulty while performing daily activities with ease.
Alzheimer’s disease is a brain disorder that develops and worsens over time, slowly destroying a person’s memory. With this disorder, a person cannot single-handedly carry out conversations and tasks or control their behaviour, resulting in various limitations.
It is typically a common disease that occurs with age and requires urgent attention to tackle the disorder before it fully takes over. According to doctors, you might not notice the first sign of Alzheimer’s for the first 10 or more years.
Thus, given the severity of this disease, early detection and timely treatment are crucial for leading a normal life.
This type of Alzheimer's disease is caused due to a combination of environmental factors and genetic issues. Genetically, people with the apolipoprotein E gene 4 are considered to be at a higher risk of this disease. However, it does not confirm that every person with this gene will have Alzheimer's disease.
This type of Alzheimer's disease is also referred to as familial Alzheimer's disease, which is also caused by genetic mutations and has a more speedy progression, requiring urgent treatment.
The main cause of Alzheimer's disease is known to be the slow but gradual destruction of the nerve fibres, which target one side of the brain and then move around.
In simple words, when protein accumulation in the brain increases or significantly exceeds the optimal requirement, it leads to Alzheimer's disease. This disease causes the brain to reduce its ability to perform basic tasks over time.
Given the main cause, here are people who are at an increased risk of Alzheimer's disease.
Some of the common Alzheimer's signs and symptoms include the following -
Currently, there is no permanent cure for Alzheimer's disease. However, there are specific medications which can help control the symptoms and reduce the progression of the disease.
Depending on the stage of Alzheimer's disease, a doctor can prescribe medicines to counter the reaction of the disease in your brain, helping the patient get back to their normal being.
There is no definitive measure that can be adopted to prevent Alzheimer's. However, some straightforward Alzheimer prevention tips which can help reduce the risk of contracting this disease include the following -
Living with Alzheimer's can be challenging for both the patient and the people around them. However, to ensure a safe and welcoming environment around, here are some tips you can adopt as a patient of Alzheimer's or their caregiver.
Given that there are different stages of Alzheimer's, it is recommended to see your healthcare provider when you start noticing small but consistent changes in the following -
These simple questions will help you manage your stress and anxiety about the disease and guide you in the right direction. Moreover, the answers to these questions will help you learn more about how you can help yourself improve to reduce the overall impact.
Details
Alzheimer’s Disease
Dementia
What is it?
It is a type of dementia caused by the accumulation of extra protein in the brain, causing tangles and plaques.
It is a mental disorder that causes a decline in the mental functions of the brain, impacting memory, behaviour, and thinking.
Causes
The primary cause is the degeneration of brain cells.
The causes include Alzheimer’s, Lewy body dementia, vascular dementia, etc.
Speed of Progression
It has a gradual speed of progression, which impacts the person’s cognitive function over time.
The speed of progression can be slow or rapid, depending on the cause.
Symptoms
Loss of memory
Difficulty in problem-solving
Mood swings
Communication issues
Confusion
Problem with reasonable thinking
Treatment
No permanent cure, but medication can help reduce the impact of symptoms
The type of treatment depends on the main cause. It includes therapy, medicines and changes in lifestyle.
A medical insurance plan is designed to offer comprehensive coverage for medical needs in emergencies. It is a financial safety net, protecting your health and finances during unforeseen circumstances.
Here are some of the top reasons why you must buy health insurance for Alzheimer's Disease.
Some Reliance Health Plans offer coverage for Alzheimer’s disease. However, you must note that all these plans have the same clause, and that is as follows -
In simple words, you cannot file a claim for Alzheimer’s if you have this disease before purchasing the plan. You will only get coverage for the disease if you develop it after purchasing any of the below-mentioned health plans.
Reliance Health Plans for Alzheimer's Disease
Health Infinity Insurance
It is a comprehensive medical insurance plan that offers extensive financial support for medical expenses related to medication, treatment, diagnostic tests, and more. With this plan, you can easily manage your test and medication expenses related to Alzheimer’s.
Health Super Top-Up Insurance
It is a health plan that acts as a backup to your existing health insurance policy for additional financial support. With this plan, you can get more financial assistance to treat Alzheimer’s.
Reliance International Health Insurance
It is a health plan designed to cover medical emergencies outside India. It does not directly cover Alzheimer’s, but if you have the disease and are travelling when the condition worsens, you can seek financial support under it.
*We advise you to review individual policy wordings and check with us to confirm specific eligibility for Alzheimer’s coverage.
In India, many people above the age of 65 years face the challenge of navigating their lives with Alzheimer's disease. It is a complex condition that currently has no cure, and thus, it requires a combined effort from the patient and the family members to make it better.
Individuals with this disease must understand the stages of Alzheimer's, potential treatments, benefits of early detection, and symptoms to watch out for to be prepared.
Moreover, to manage your finances better when diagnosed with Alzheimer's disease, opt for a health insurance plan from Reliance General.
Alzheimer’s is not a genetic disease. However, genetics is one of the major contributing factors that lead to the development of Alzheimer’s. This is because certain genes called APOE4 increase the risk of this disorder.
Some easy tips to reduce the risk of Alzheimer's while also improving your overall health include the following -
Given that there is no permanent treatment medical expense associated with Alzheimer's, the frequent medical expenses include -
Reliance General typically offers two types of claim processes: Reimbursement claims and cashless claims. In a reimbursement claim, you will first need to pay the medical bills from your out-of-pocket expenses and then file a claim to get the applicable claim amount reimbursed in your account.
With cashless claims, you only have to worry about getting the required medical support. Once done, we will settle your bills directly with the hospital on your behalf.
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*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
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Health Infinity UIN: The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223
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