Poor diet choices result in a variety of diseases, including those of the digestive tube. Crohn’s Disease could results from the inflammation of the digestive tract. It is quite painful and typically spreads deeper into the bowel layers. In several cases, it can cause life-threatening complications like colon cancer and, thus, is considered a critical disease. If you don’t treat it at the earliest stage, it can result in lifelong Crohn’s Disease. The disease is typically treated through medicine. However, the treatment depends on the symptoms and how serious they are. It is important to make lifestyle changes and ensure to eat nutritional food. Besides changes to the lifestyle, it is better to buy an insurance plan. This brings us to if Crohn’s Disease is roofed by health insurance or not.
Do Health Insurance Plans Cover Crohn’s Disease?
To prevent your savings from depleting, you ought to buy health insurance. Many health insurance plans in India cover its medical treatment, including medical expenses. To know more about the insurance plans and whether or not they cover Crohn’s Disease, it's better to check the various insurance plans online.
What is the Waiting Period for Crohn’s Disease in Health Insurance?
It is the time during which you cannot raise a health insurance claim. The waiting period can be NIL to a few days for the coverage of Crohn’s Disease in health insurance.
Read more - Waiting Period Clause in Health Insurance
Symptoms and Causes of Crohn’s Disease
The following are the symptoms of Crohn’s Disease:
- Abdominal pain
- Severe diarrhoea
- Fatigue
- Fever
- Mouth ulcers
- Weight loss
- Loss of appetite
- Blood in stool
- Malnutrition
The following are the causes of Crohn’s Disease:
- Autoimmunity
- Genes
- Smoking
- Environmental factors
- Excessive intake of oily and spicy food
Tips to Prevent Crohn’s Disease
The following are some tips to prevent Crohn’s Disease:
- Follow certain dietary rules by avoiding oily or spicy food and drinking lots of water.
- Try to live a stress-free life by exercising regularly and practicing yoga and meditation.
- If somehow your current lifestyle is causing problems, make changes to live a better lifestyle to suit your digestive system.
Best Health Insurance Policies
Following are the best Health Insurance policies being provided by the top health insurance companies.
| Insurance Provider | Name of the Plan | Minimum and maximum entry age | Basic Sum Assured (in Rs.) | Minimum Premium Amount (in Rs.) |
| Apollo Munich Health Insurance | Optima Restore | For individual plans - 18 years For floater plans - 91 days For individual plans - 65 years For floater plans - 21 years | The sum assured provided under the plan ranges from Rs.3 lakh to Rs.15 lakh | The minimum premium amount is Rs.5,000 |
| Max Bupa Health Insurance | Heartbeat | No age restrictions | The sum assured provided under the plan ranges from Rs.2 lakh to Rs.50 lakh | The minimum premium amount is Rs.3,700 |
| Bajaj Allians | Health Insurance for Individual | Minimum age of entry - 18 years as on the last birthday Maximum age of entry - 65 years as on the last birthday | The sum assured provided under the plan ranges from Rs.1.5 lakh to Rs.50 lakh | Variable with SA |
| HDFC Ergo | Health Suraksha Plan | No age restrictions under the plan | The sum assured offered under the plan ranges from Rs.3 lakh to Rs.10 lakh | Variable with SA |
| Religare Care | Care Health Insurance Plan | Minimum age of entry - 5 years as on the last birthday Maximum age of entry - no limitations | The sum assured offered under the plan ranges from Rs.2 lakh to Rs.60 lakh | The minimum payable premium amount is Rs.2,300 |
| BEST MEDICAL INSURANCE POLICIES | SUM ASSURED (INR) | WAITING PERIOD |
| Niva Bupa Reassure | 4 Lakh | 3 Years |
| Aditya Birla Health Active-Health Platinum Enhanced | 4 Lakh | 3 Years |
| Star Health Insurance Young Star | 5 Lakh | 1 Year |
| Edelweiss Silver | 4 Lakh | 4 Years |
| Niva Bupa Health Companion | 5 Lakh | 3 Years |
| Care Freedom | 5 Lakh | 2 Years |
| SBI General Insurance Arogya Sanjeevani | 4.5 Lakh | 4 Years |
| Care - No Claim Bonus Super | 5 Lakh | 4 Years |
| Star Health Insurance Young Star (GOLD) | 5 Lakh | 1 Year |
| Raheja Aarogya Sanjeevani | 4.5 Lakh | 4 Years |
Conclusion
As there is no cure for Crohn’s Disease, expert treatments and various care strategies can help manage it. Still, the disease is likely to affect a person’s quality of life. A person’s lifespan can also get lowered because it increases the danger of developing other diseases, like cancer, liver problems, biliary tract complications, and genitourinary tract infections. Some people with Crohn’s need surgery and possibly over one procedure over time. Hence, it's better to buy an insurance plan or Critical Illness Cover that gives financial protection against the medical expenses in treating Crohn’s disease. Remember to match the plans and browse the terms and conditions to settle on the most effective health insurance plan.
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