Health Insurance For Alzheimer's Disease - Plans, Inclusions and Coverages

In human life, memory plays a major role in remembering anything and talking or reminiscing about something. But think about how it will feel if you don’t remember what you have just done or whether or not you have eaten a few hours back? Difficult to even think about it right? However, it happens with people suffering from Alzheimer's disease. The symptoms of this brain disorder make people forget what they have done or what happened to them in the past. In this article, we are going to talk about Alzheimer's disease and the health insurance plans available for the same.

What is Alzheimer's Disease?

Alzheimer's disease is a brain disorder that progressively decreases a person's ability to think, remember things, and carry out daily tasks. At first, losing your memory for names or not knowing where your keys are may appear as signs of ageing. But it becomes much more serious with time. Alzheimer's patients may become unable to take care of themselves, identify friends and relatives, or even carry on a conversation.

Symptoms of Alzheimer's Disease

Listed below are some of the most common symptoms of Alzheimer's disease:

• Memory Loss
• Forgetting the date and current location
• Problems with Speaking or Writing
• Difficulty in Solving Problems
• Changes in Mood and Personality
• Inability to learn new things
• Difficulty organising thoughts and thinking logically
• Getting lost when walking or driving
• Difficulty in solving problems or making decisions 

Health Insurance Coverages For Alzheimer's Disease

Health insurance for Alzheimer's disease is provided by a few health insurance companies and there is coverage included in the base plans. This coverage can be beneficial during treatment for Alzheimer's disease and for hospitalisation. Go through the coverage listed below for a better understanding: 

• Hospitalisation: Expenses of treatment for Alzheimer's disease are covered by health insurance. 
• Diagnostic: Expenses related to diagnosis and other tests that are to be done for Alzheimer’s disease are covered.
• Ambulance: Coverage for ambulances is provided by the insurance companies in the health insurance taken for Alzheimer’s disease.

Inclusions and Exclusions Under Alzheimer's Health Insurance

There are certain exclusions and inclusions available in the health insurance offered by different companies. Go through the inclusion and exclusion for Alzheimer’s health insurance:

Top Health Insurance Companies and Plans Covering Alzheimer's Disease

Here’s a list of health insurance plans and companies that cover Alzheimer’s patients:

How to Choose The Right Health Insurance For Alzheimer's Disease

There are certain factors that should be considered while choosing health insurance for Alzheimer’s disease. Go through the below-given factors before purchasing health insurance for Alzheimer’s:

• Coverage: Always go through the coverage companies are offering and compare it with different companies.
• Copayment: Check the policy brochure for copayment and always go with the plan with zero copayment. And if there is a copayment then what is the percentage of copayment.
• Waiting Period: Choose the plan with a minimum waiting period because it will help you get a claim instantly if any emergency arises after purchasing health insurance.
• Policy inclusion and exclusion: Check for the inclusion and exclusion of the policy which will help you get to know what is offered by the company and what is not.
• Sum Insured: Calculate your expenses and check whether the sum the insured company is offering is sufficient or not.

World Alzheimer’s Day and Its Significance

World Alzheimer’s Day is observed on the 21st of September every year along with September being Alzheimer’s awareness month to spread awareness about Alzheimer’s disease and other forms of dementia. This day is specifically observed by the Alzheimer’s Disease International, (ADI). Just like every year this year also the theme is set for 2024. The theme for this year’s World Alzheimer’s Day is “Time to Act on Dementia, Time to Act on Alzheimers”. 

ADI’s campaign’s main objective is to:

1. Highlighting the steps taken to create a dementia-friendly society 
2. Reducing the discrimination of people or the stigma attached with dementia
3. Raising awareness of people’s attitudes towards dementia

What Should You Do As A Next Step?

• Knowledge About The Topic: Try to gather knowledge about Alzheimer's and take a deep dive into it. It will help you in taking care of your loved ones if someone is suffering from Alzheimer’s disease.
• Do Not Ignore Signs and Symptoms: If there is any elder in your home who is having symptoms or any kind of signs related to  Alzheimer’s then do not ignore it.
• Consult A Doctor: If there are any signs or symptoms that can be seen in the elders in your home or who are known to you then consult your doctor as soon as possible.
• Check Your Current Insurance Plan: Go through the policy documents and check for the diseases that are covered by your health insurance. Check whether Alzheimer's is covered or not. If it is not covered then upgrade your health insurance plan during renewal or buy a new one. 
• Support Your Loved Ones: If there is someone in the family, try to support them and if you need support, then join a support group that will help you deal with the situation better.

FAQs

Ques 1. Is Alzheimer's covered by insurance?

Ans. Yes there are companies available in India that offer health insurance to the patient suffering from Alzheimer’s.

Ques 2. Is dementia covered by insurance in India?

Ans. If you will get diagnosed with dementia then you will get coverage from your health insurance provider.

Ques 3. Is Alzheimer's covered by critical illness insurance?

Ans. Alzheimer’s is covered under critical illness insurance because it is a kind of serious disease which slowly leads to brain failure. 

Ques 4. Is Alzheimer's considered a serious illness?

Ans. Yes it is considered a serious illness because it affects the part of the brain that is used for memory, language and many more things.

Ques 5. Pre and post hospitalisation expenses are included in the Alzheimer’s disease or not?

Ans. Health Insurance for Alzheimer’s disease covers the pre and post-hospitalisation expenses. It helps in managing your expenses before and after treatment of Alzheimer’s.