Health Insurance For Common Diseases in India

Check out the list of common diseases in India and buy health insurance for protection against financial burden due to these diseases.
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3 min
31-January 2024

India, with its diverse environmental conditions, faces a spectrum of health challenges. Understanding the prevalence of common diseases is crucial for public health initiatives, medical professionals, and individuals. Despite significant progress in healthcare, several diseases continue to plague the country. The primary reasons for these diseases include lack of access to proper sanitation, poor hygiene practices, contaminated food and water, and lack of awareness about preventive measures. Here is a list of the top 10 most common diseases in India.

List of common diseases in India

  1. Malaria:
    Malaria, transmitted by mosquitoes, remains a significant health concern in India. High prevalence is observed in regions with warmer climates, making preventive measures, and timely treatment crucial.
  2. Dengue fever:
    Dengue, another mosquito-borne disease, sees a surge during the monsoon season. Symptoms range from mild fever to severe complications, emphasising the importance of vector control and early detection. You can get a pocket-friendly Dengue Cover available at the Bajaj Finance Insurance Mall to get coverage against hospitalisation due to dengue.
  3. Tuberculosis (TB):
    Tuberculosis is a persistent challenge in India. The airborne disease affects the lungs and spreads through respiratory droplets. Despite significant efforts, TB remains a major public health concern, necessitating continued awareness, and intervention.
  4. Diabetes:
    Diabetes has reached epidemic proportions in India, driven by lifestyle factors. The rising incidence of both type 1 and type 2 diabetes underscores the need for preventive strategies, lifestyle modifications, and comprehensive healthcare.
  5. Cardiovascular diseases:
    Heart diseases, including coronary artery disease and stroke, are the leading causes of mortality in India. Factors like sedentary lifestyles, dietary habits, and genetic predisposition contribute to the high prevalence, emphasising the importance of cardiovascular health awareness.
  6. Respiratory infections:
    Respiratory infections, particularly in densely populated areas, contribute significantly to the disease burden. Conditions such as pneumonia and bronchitis demand attention to hygiene, vaccination, and timely medical intervention.
  7. Gastrointestinal infections:
    Water and food-borne infections, such as cholera and gastroenteritis, are prevalent in certain regions. Access to clean water, sanitation, and hygiene practices are crucial in preventing these diseases.
  8. Hepatitis:
    Viral hepatitis, including hepatitis B and C, poses a considerable health threat. Vaccination, awareness, and early detection are vital in reducing the prevalence of these liver infections.
  9. Chikungunya:
    Chikungunya, transmitted by mosquitoes, causes fever and severe joint pain. While not usually fatal, it can lead to prolonged discomfort. Mosquito control measures and community awareness play key roles in prevention.
  10. HIV/AIDS:
    Despite significant progress in awareness and treatment, HIV/AIDS remains a concern. Ongoing efforts focus on prevention, testing, and ensuring access to antiretroviral therapy for those affected.

Most common critical illnesses in India

Apart from infectious diseases, certain critical illnesses pose a significant threat to public health in India:

Cancer:

Cancer, in various forms, is a major health challenge. Early detection, lifestyle modifications, and advancements in medical treatments contribute to better outcomes.

Kidney diseases:

Chronic kidney diseases, often linked to diabetes and hypertension, are on the rise. Timely management and awareness about kidney health are critical.

Neurological disorders:

Disorders like stroke, Alzheimer's, and Parkinson's impact a growing number of individuals. Advances in neurology and rehabilitation are essential for improving the quality of life for affected individuals.

Organ failure:

Organ failures, including liver and heart failure, require advanced medical interventions such as organ transplantation. Organ donation awareness is crucial to address the shortage of donor organs.

Also read: Critical illness health insurance

Impact of common diseases in India on health insurance

The prevalence of these diseases in India has a significant impact on health insurance. Insurance policies offer coverage for these diseases, and the prevalence of a specific disease affects the premium cost. Many health insurance policies cover a range of medical expenses, including hospitalisation, diagnostic tests, surgeries, and critical illness coverage.

For instance, critical illness insurance provides a lump sum payout upon the diagnosis of specified critical illnesses, such as cancer, heart attack, and stroke. This financial support helps individuals cope with the significant expenses associated with the treatment and rehabilitation of critical illnesses.

Moreover, insurance plans often offer preventive care benefits, encouraging policyholders to undergo regular health check-ups and screenings. Early detection of diseases can lead to more effective and less costly treatments.

Understanding the list of common diseases in India is crucial for both individuals and insurers. By recognising the prevalent diseases, individuals can make informed decisions about their health and insurance needs. Insurance companies, on the other hand, can tailor their policies to address these specific health concerns, ensuring comprehensive coverage and better risk management.

In conclusion, addressing the most common diseases in India requires collaborative efforts from the healthcare sector, government, and individuals. By staying informed, adopting healthy lifestyles, and securing adequate health insurance coverage, individuals can contribute to a healthier and more resilient society.

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Frequently asked questions

What are the 10 communicable diseases?

Ten common communicable diseases include tuberculosis, influenza, hepatitis B, malaria, measles, HIV/AIDS, cholera, dengue, rabies, and COVID-19. These diseases spread through various means such as air, water, direct contact, and vectors like mosquitoes.

What are the major communicable diseases in India?

Major communicable diseases in India include tuberculosis, malaria, dengue, HIV/AIDS, hepatitis B, cholera, typhoid fever, measles, Japanese encephalitis, and COVID-19. These diseases pose significant public health challenges due to their high prevalence and impact on healthcare resources.

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*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

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