Why Do You Need Health Insurance For Liver Disease

why do you need health insurance for liver disease?

The liver is among the most critical organs in our body. It carries out a variety of essential functions such as protein synthesis, toxin elimination from the blood and the metabolism of fats and carbohydrates. 

Therefore, it is essential to deal with any issue relating to the liver as soon as possible. 

Symptoms of Liver Disease

With Liver Disease, you may feel exhausted or have soreness in the upper right side of your abdomen. Other symptoms include:

• Vomiting or nausea
• Appetite loss
• Yellowish skin, eyes or hair
• Dark-coloured urine
• Light-coloured stools
• Persistent fatigue
• Ankle and leg swelling

Causes of Liver Disease

Here are a few causes of Liver Disease,

1. Genetics

If you inherit an abnormal gene from one or both of your parents, there is a chance that you could develop Liver Disease. 

2. Autoimmune diseases

Your liver may be impacted by Autoimmune diseases, in which your immune system targets specific body parts. 

3. Infection

The liver can become infected by parasites and viruses, which resulted in inflammation and decreased liver function.  

4. Cancer

Similar to many other bodily regions, even the liver experiences a high incidence of cancer. Hepatic adenoma and bile duct cancer are two prevalent types of liver cancer.

5. Other causes

Other causes of liver disease are,

• Chronic alcoholism
• A buildup of fat in the liver 
• Excessive over-the-counter or prescription drugs (paracetamol, anti-seizure medications, etc.)
• Certain herbal ingredients

Prevention of Liver Disease

Here are some ways you can follow to prevent Liver Disease

• Limit alcohol intake
• Maintain a healthy weight 
• Get vaccinated
• Avoiding medication abuse
• Maintain hygiene

Prevalence of Liver Disease

In India, around 10 lakh new cases of Liver cirrhosis are reported each year. According to the World Health Organization, liver disease is the tenth most common reason for mortality in India.

You can manage some liver conditions with lifestyle modifications. Other liver issues might need surgery or medical treatment. 

Why do you need Health Insurance for Liver Disease?

Serious illnesses may occur at any time. And if it affects the family’s breadwinner, it causes an abrupt financial strain. Depending on the medical procedures, a liver transplant could cost anywhere from Rs. 5 lakhs to Rs. 30 lakhs (Source: National Center for Biotechnology Information). 

Such an excessive expenditure could put a lot of strain on your finances. In such a case, the best thing to do is get Health Insurance to protect yourself and your family against such health uncertainties. 

Most Health Insurance providers in India offer critical illness insurance policies covering Liver Disease.

Star Health Insurance offer the Star Critical Illness Multipay Insurance Policy as an individual policy to safeguard you and your family against financial worries. It is a standalone critical illness plan providing a lump-sum amount on the diagnosis of critical conditions related to major organs after 90 days of commencement of cover under the policy.

Benefits of Star Critical Illness Multipay Insurance Policy

• Offers coverage for major surgeries such as liver transplantation.
• A lump-sum amount is paid upon the initial diagnosis. 
• You can use this one-time payment for care and treatment, recovery aids, debt repayment, or to cover any lost income resulting from a declining capacity to work. 

Conclusion

Before choosing a Health Insurance policy, read the policy document to understand the inclusions, exclusions better, the waiting period, pre-existing disease coverage and other details.