Usually, disease and bodily weaknesses can be avoided by following a healthy diet, sleeping adequately and exercising regularly. However, individuals born with Congenital Diseases seem to develop these disorders despite following healthy habits. Treatment costs for these conditions could amount to a lot. Usually, health insurance helps us to cope with the financial aspects of medical uncertainties.
A congenital disease or disorder is a medical condition that one may be born with. These can either be inherited or triggered by environmental stimulants. A joint report by the World Health Organisation (WHO) and March of Dimes (MOD) in 2016 states that over 1.7 million people residing in India suffer from Congenital Diseases.
The medical implications of these disorders are not always severe. Nonetheless, in certain cases, they can have serious implications. Usually, internal congenital disorders are not easily noticeable. However, external congenital disorders may be easier to identify.
If you are planning for pregnancy, it is natural to be concerned if your child may incur a Congenital Disease. Especially if your family has a history of suffering from a particular disorder. In some cases, it is possible to test for congenital conditions before birth. Also, there may be treatments you can avail of to reduce the possibility of your child being born with a Congenital Disease. A health insurance policy may not cover all types of congenital conditions. As per regulation put forth by IRDAI, coverage is usually offered only for individuals suffering from internal congenital disorders.
Some of the common congenital disorders that occur in India may include the following.
The treatment for Congenital Diseases may vary depending on the type of disease. Most congenital conditions can be treated during the early stages. Such treatment may help cope with symptoms and prevent further complications. Thus, the costs of diagnostic tests and treatments may add up. Moreover, children diagnosed with these conditions may require paediatric surgery to treat the disorder. So, as might be expected, the costs of long-term medications and surgery can be expensive.
As mentioned earlier, health insurers usually offer coverage for Congenital Diseases. However, you may not be able to raise a claim for a Congenital Disease during the waiting period. In health insurance, the waiting period refers to the duration the insured has to wait to make a claim for a particular ailment. Most health insurance plans have a two-year waiting period for availing coverages for congenital conditions. Meaning, that a claim cannot be raised for a congenital condition until two policy cycles are completed.
If you are a pregnant mother, you may be worried about the health of your baby. Well, fret not! Here are some tips you can follow to reduce the risk of your child being born with a congenital disorder.
