Team AckoMay 23, 2022
Inflammation in the digestive tract can be annoying and frustrating due to the discomfort caused by Crohn’s disease. Another thing for those with Crohn’s disease is the need to manage the cost of treating the condition. The cost of tests and treatments can be expensive. The below sections dwells into everything about the disease and if there are health insurance plans that cover Crohn’s disease.
Crohn’s disease is a condition that deals with inflammation in your digestive tract. Characterised under Inflammatory Bowel Disease (IBD) causes painful swelling and irritation in the digestive tract. You might experience symptoms such as diarrhoea, belly pain, rectal bleeding and weight loss.
Medical practitioners usually diagnose Crohn’s disease through a physical examination. You may also have to undergo X-rays and diagnostic tests and, in some cases, biopsy tests to look inside the colon to check if it is cancerous.
The disease is usually treated through medicine. However, the treatment depends on your symptoms and how bad they are. This brings us to whether Crohn’s disease is covered by health insurance. Read on to learn about it in the following section.
Yes, health insurance plans in India cover the treatment for Crohn’s disease. There are several Critical Illness Insurance Plans that might cover the cost of the treatment of the illness. Typically, these plans offer a lump sum payment based on the sum insured you have opted for.
That said, not all health insurance plans cover the disease. Read the terms and conditions of the plans thoroughly before you buy.
Depending on the type of coverage, you might be covered for hospitlisation expenses, daycare procedures, outpatient consultations costs, diagnostic tests, ambulance services, etc. It is better to compare the different health plans online to make the right choice.
Since the inflammation is in the digestive tract, it can affect different parts of the tract. Here are the types of Crohn’s disease.
Ileitis: Inflammation and swelling in the small intestine.
Ileocolitis: Inflammation in the small intestine and part of the large intestine, or colon.
Jejunoileitis: Small patches of inflammation in the upper part of the small intestine.
Gastroduodenal: Irritation and inflammation in the stomach and the upper part of the small intestine.
Following are the symptoms and what causes Crohn’s disease.
Loss of appetite
Blood in stool
Excessive intake of oily and spicy food
The treatment for Crohn’s disease differs depending on the symptoms and the severity of the disease. Your medical practitioner might recommend one or more of the following treatments for Crohn’s disease.
The waiting period for Crohn’s disease in health insurance depends on the insurer. From no waiting period to a certain number of days can be the waiting period for the coverage of Crohn’s disease in health insurance.
At ACKO, there is a Zero Waiting period for treatment of Crohn’s disease with the 1 crore health insurance plan. You need to make sure that you disclose pre-existing diseases at the time of buying ACKO’s health insurance plan to avoid rejection of claims.
It is better to refer to the terms and conditions of the policy to understand the required waiting period before you can raise a claim against the medical cost involved in treating the disease.
Here are some ways you can try to prevent Crohn’s disease.
Follow a few dietary rules by avoiding troublesome, oily or spicy food and drinking lots of water.
Learn to manage stress by exercising regularly, Yoga and meditation.
If your current lifestyle is causing the disease, make the required changes to suit your digestive system.
Inflammation in your digestive system can be a hassle, and if you don’t treat it during the early stages, you may end up dealing with Crohn’s disease lifelong. It is prudent to make lifestyle changes and ensure you eat nutritional food. Besides changes to your lifestyle, it is better to buy a health insurance plan or Critical Illness Cover that provides financial protection against the medical expenses in treating Crohn’s disease. Remember to compare the plans and read the terms and conditions to choose the best health insurance plan.
Here are common queries about health insurance cover for Crohn’s disease.
Is Crohn’s disease considered a pre-existing condition in health insurance?
Yes, the insurance company could consider the disease a pre-existing condition.
Which is the most suitable health insurance plan for Crohn’s disease coverage?
Not all regular health insurance plans cover the medical cost to treat Crohn’s disease. However, you can buy the Critical Illness Cover, which may offer coverage for the treatment of Crohn’s disease.
Are there any natural remedies for treating Crohn’s disease?
You must alter your lifestyle and eating habits to ensure you are not affected by the disease. There are natural remedies to reduce inflammation, such as increasing the intake of probiotic drinks and diets that enable the digestion of food.
Want to post any comments?
All hospital expenses, 100% covered
✓ Zero waiting period ✓ Zero deductions at claim
Can You Have Two Insurance Policies on the Same Car?
Team Acko May 20, 2022
Is a PUC certificate mandatory for vehicle insurance?
Team Acko May 13, 2022
Importance of cooling-off period in health insurance
Team Acko May 10, 2022
Understanding dental insurance in India: Cover, benefits, and claims
Team Acko May 6, 2022
Does health insurance cover brain surgery?
Team Acko May 6, 2022
ACKO General Insurance Limited
2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 27th Main road, Sector 2, HSR Layout, Bengaluru, Karnataka - 560102
We’re socially active!
Download our app
Bike Insurance Guides
IRDAI Registration No: 157
Category: Non-Life Insurance
The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Savings of upto Rs. 50,000 have been calculated on the IDV of Rs. 18,00,000 and 0% NCB. Amount saved is in comparison to tariff rates. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |
Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.