Health Insurance Coverage for Paget’s Disease of Bone

Managing Paget’s Disease Treatment Expenses with Health Insurance

There is a normal process by which the bone breaks and then regrows. However, a person suffering from Paget's disease of bone faces complications in doing the same. In this condition, after the bones break, they regrow faster and softer.

Is Paget's Disease of Bone Treatable?

This chronic bone disorder is referred to as Paget’s disease of bone. Bones of such patients are susceptible to breaking easily. However, it affects not more than a few bones in certain areas. Older people are more prone to getting Paget's disease of bone. Nevertheless, this condition is treatable in the following ways:

1. Medicines : Medical experts often prescribe bisphosphonates, but several other medications are also available. This medication helps minimise the pain and also suppresses the condition.
2. Surgery : Certain conditions lead to significant complications, necessitating surgery for the patient. Let us know more about the conditions under which experts recommend surgery:

Provides support while bones are re-growing and maintainstheir shape.
In cases of severe arthritis, surgery for joint replacement of the knee and hip may be recommended.
Realigning a deformed bone to reduce joint pain while carrying weights.
For reducing pressure on specific There are some cases of skull enlargement or spinal injuries that severely affect the nervous system.

Health insurance plans in India do cover chronic diseases such as Paget's disease of bone. However, they also come with a waiting period of about 2 years. If you purchase an insurance policy after being diagnosed with Paget's disease of bone, it is considered a pre-existing condition under the policy.

Things to Know Before Buying Health Insurance for Paget's Disease Bone

There are certain things to keep in mind before considering health insurance for this chronic bone disease:

• There are critical illness plans that grant coverage of up to Rs. 10 lakhs.
• You must look out for such policies that have a lower waiting period.
• Always check the exclusion list to verify if it covers treatment and medication expenses for Paget’s disease of
• Choose a plan that provides lifetime renewability.
• Refer to the claim settlement ratio of the insurance provider to see how likely they areto settle when you make a claim.
• Premium is the regular expense that you must bear to receivethe benefits of the policy. Therefore, choose a policy with an affordable premium.

Benefits of Opting for Critical Illness Insurance for Paget’s Bone Disease

This insurance is specifically designed to meet the needs of patients suffering from this condition. Let us see how it provides for managing life-threatening ailments:

• This policy provides a one-time lump sum payment to cover the high costs incurred during surgery to treat Paget's disease of the
• Their waiting period is slightly less since they are curated explicitlyfor dealing with chronic illness.
• You can either buy a critical illness policy or get it as an add-on to your existing health insurance policy.

Waiting Period in a Critical Illness Policy

Insurance companies have a 90-day waiting period from the policy's effective date. This means the policyholder must wait 90 days, even if they have been diagnosed with Paget's disease of the bone before purchasing the policy.

Additionally, there is a concept of a survival period that typically lasts 30 days. This is the waiting period during which one must survive after purchasing the policy. Failing to do so will lead to the cancellation of compensatory claims.

Factors that Influence Waiting Periods

Certain conditions have a direct impact on the policy's waiting period. Here are some factors:

• Young people have a shorter waiting period than older individuals because they are requiredto claim in the near future.
• Insurers may reduce the waiting period if you opt for a long-term policy, as the risk isspread across an extended period.  
• At a higher premium, insurers might reduce or even remove waiting period provisions.

This condition is common in older people, making it a concern for many families. Therefore, relying on an insurance policy to manage the financial burden of the disorder makes the experience more seamless.