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policybazaar.com
Health insurance and Alzheimer’s
5–6 minutes
How do you explain Alzheimer’s?

Alzheimer’s disease is a disease that gets worse over time and causes brain cells to slowly die. Alzheimer’s disease makes it hard for a person to act and talk to other people. It is the most common cause of dementia, which makes a person lose their ability to think and do things on their own.

One of the early and scary signs is forgetting something that happened or was talked about recently. People with Alzheimer’s often forget recent things and events. They may always ask you for the same thing. If you are taking care of a family member with Alzheimer’s disease, you should make sure that their health gets better over time.

Signs of Alzheimer’s Disease

Other than memory loss, Alzheimer’s patients show the following signs and symptoms:

Change in who you are
Mood changes often, problems are hard to solve, and tasks are hard to finish. Suddenly, the person pulls away from family and friends.
Problems with both verbal and written communication

How to Care for Someone with Alzheimer’s

Here are some helpful tips that can help you take care of your parents or another family member who has Alzheimer’s disease. And why it’s important to get health insurance to cover this serious illness:

Set up a good routine: People with Alzheimer’s would need someone to take care of them in the right way. If you are taking care of someone, you should start by giving them a daily routine. This will mean going to the doctor regularly in case they show any signs. This will make it easier for the doctor to see the patient clearly if a family member is there.
Avoid Distractions: People with Alzheimer’s can get distracted easily. Turning off the TV, phone, or music while you talk to them is an easy way to keep them from being distracted. This makes it easier for them to pay attention. Also, make sure you give them clear instructions that are easy to follow.
Make sure they are in a safe place. If someone in your family has Alzheimer’s, it may be important to make sure they are in a safe place. You might want to keep all the electronics out of their reach and make your home a safe place for them to be. Not only electronics, but also rugs, extension cords, and other things that could make them fall should be put away.
Be flexible and patient. Taking care of someone with Alzheimer’s means making a lot of changes. And if you feel frustrated, you can follow a set routine and work with others. Right now, the most important things to have when dealing with someone who has Alzheimer’s are patience and flexibility.
Understand that people with Alzheimer’s tend to forget things and act strangely because their moods change a lot. The best way to handle them is to stay calm and kind.

How does having health insurance help people who have Alzheimer’s?

Alzheimer’s disease can be expensive to treat, so it’s important to have a critical illness health insurance policy that covers the costs. Online, you can find some of the best health insurance plans that cover Alzheimer’s disease.

Getting treatment for a serious illness can use up all of your savings and keep you from working or earning money. This can make your whole life go backwards. So, it makes sense to buy a policy that gives you a lump sum of money to help you pay your bills during hard times.

Your current health plan or your employee health insurance will only cover a certain amount of your medical costs. A critical illness cover policy, on the other hand, will pay you a lump sum once the disease is found.

Alzheimer’s disease is not covered by a regular indemnity-based health plan, but it is covered by a critical illness policy. In this policy, if the insured person is diagnosed with one of the Critical Illness policies, the insurance company pays out the sum insured all at once.

If the doctor suggests a certain course of medical treatment, you can use the sum insured amount to pay for care, treatment, and recovery. The money can also be used to pay off debts, make up for lost income, and, in some cases, help people get used to the changes in their lives.

Bottom-line

Every day, there are more and more people with Alzheimer’s disease in India. A critical illness Alzheimer’s insurance policy is a good idea to help with the financial and emotional stress that comes with this illness. If you have health insurance, you can file a claim as soon as you go to the hospital. The policies are also meant to cover the costs of alternative treatments, domiciliary or home care, and annual health check-ups. So go ahead and get a health insurance plan that covers Alzheimer’s. Save money on taxes and give the best care to your loved ones under section 80D.