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Personal Health Insurance: A Must for a Healthy Life

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With the changing lifestyle and rise in age, there is a steady increase in physical ailments a person might suffer from. As our bodyâEUR(TM)s immunity system starts to weaken after the age of 40, a person becomes prone to a host of malignant and critical diseases. Some of the most common diseases that affect this age group are:
Cancer: Though cancer can affect all age groups, the low immunity system in older people makes the disease difficult to cure. It further raises the expenses as the healing period increases.

Open chest coronary artery bypass surgery: Blockage in heart and various other cardiac problems are the most common of all diseases. Sometimes with old age, heart and vessels that transports blood to other parts of the body become weak. Some of the symptoms are pain in chest and shortage of breath while walking or climbing stairs. It also leads to problem of blood pressure, rheumatic heart disease, congenital heart disease, heart failure, coronary heart disease peripheral artery disease.

Kidney failure: Urinary tract infections, acute urinary retention, incontinence and kidney or bladder damage requires extensive and expensive treatment. The main causes of kidney failure are high blood pressure, and diabetes. In some cases as a person grows older, the kidney and liver functioning deteriorates and hence causes kidney failure.

Aplastic anemia: Aplastic anemia occurs when the bone marrow stops producing red blood cells (RBCs), white blood cells (WBCs) and platelets for the human body. A person suffering from this disease suffers from severe infections, bleeding and bruises. The symptoms can be mild to moderate and at times life threatening.

Other common old age diseases include paralysis, motor neuron diseases, multiple sclerosis, bacterial meningitis, fulminant viral hepatitis, and deafness, and muscular dystrophy, loss of speech and host of critical diseases.

These above mentioned diseases are not just life threatening but also involve long term and expensive treatment. The best option is to take care of all the long medical bills through individual health insurance. The scheme offers various beneficial plans for the patient and his family. Some of the advantages of a personal health insurance are:

  • It covers all the medical expenses of the hospital

  • It takes care of medical bills

  • Cashless hospitalization is one of the major benefits of such insurance plans

  • One can renew the scheme at any time, any age

  • No extra lodging expenses at the time of renewal

  • The scheme restores entire sum insured with no additional fee


  • Nothing can be costlier than the price of a healthy and hearty life. With an option like individual health insurance you can save yourself from the unexpected medical expenses. The benefits of the insurance plan differ from policy to policy so please read the policy wordings very carefully before signing it.
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