Critical
Mediclaim

Never ignore the little Signals your Body gives you

Meena was a busy mother and home maker. Between keeping up with the kids’ school schedules, their homework and assignments and extra-curricular activities and running a well-kept home, she had little time for anything else. She realised that she was feeling a little bloated - maybe more than a little – but she knew that most women her age complain about ‘feeling bloated’. Strangely, she was losing weight too; her friends kept asking about her secret but there was nothing she was actively doing to lose weight – no change in her routine at all, in fact. The only thing she noticed was that she was never hungry and felt full after three to four mouthfuls of whatever she ate; she assumed this was because she was always too tired to enjoy anything. Then, there was also the strange spotting she experienced from time to time; she put that down to very early menopause. Over two years later, when these symptoms did not ameliorate and in fact were joined by many other alarming ones, she finally went for a check-up and was diagnosed with ovarian cancer.
Now let’s take the case of Suresh. His story sounds like that of any aspirational urbanite. He would leave for work really early every morning, to avoid the rush hour. Working late hours, he would grab a quick bite whenever he could, sometimes comprising of street-food or nothing more than a vada-pav, the omnipresent pride and delight of the city of Mumbai. Gradually, he began to feel extremely fatigued and his feet and hands sometimes looked swollen up. He assumed it was due to his sedentary life at his desk and kept promising himself that he would join a gym but his busy schedule never allowed it. This went on for a couple of years. Finally, one day, while boarding the local train, he felt short of breath, even though he had not really run to catch the train, he could feel a peculiar pain in his chest, a little to the left; he was having a minor heart attack.
The message of these two stories is certainly not to trigger panic when there is any adverse change in one’s state of well-being; the body does experience temporary dips in health. However, if these continue beyond a few weeks, it calls for corrective action. Sometimes, the course back to normalcy is obvious. It could be a change in diet or exercise or levels of stress. But sometimes, the way to recovery is not so apparent and an investigative check-up could reveal the cause of the problem. Either way, little steps taken when the body sends out little signals could help intercept, pre-empting or at least rein in a critical illnesses, down the line.
Types of cardio vascular diseases and cancers and many other critical illnesses can result in numerous lifestyle changes and be very hard on the wallet too. Unfortunately, in the case of most neglected critical illnesses, the financial implications could get more serious as the illness progresses. Having suitable insurance cover can ease the worries of the cost of medical care and treatment.
Religare’s unique product – Supermediclaim for Critical Illnesses – has emerged from a deep understanding of both the cost of treatment as well as the progression of the 32 diseases which it defines and covers as Critical Illnesses. To begin with, being an indemnity policy, it reimburses hospitalisation bills, as well as pre and post expenses, instead of disbursing a lump sum like most policies would, with the understanding that different conditions call for different levels of treatment and therefore patients could run up very different kinds of bills. The policy has no specific ailment waiting period and can be renewed lifelong, even after a claim, once again, taking into account the sad reality that critical illnesses can recur, more than once, sometimes. To facilitate patients further, the policy offers thoughtful conveniences like quick recovery counselling, acknowledging that recovery starts in the mind, an international second opinion, air ambulance cover, etc. The policy goes so far as to cover alternative treatments up to 25% of the sum assured, leaving the patient with the option to explore all routes to recovery. To celebrate good health, it offers a no claim bonus.
In a nutshell, the Super Mediclaim for Critical Illnesses from Religare Health Insurance takes a 360 degree approach to insuring the illnesses covered, to offer holistic protection and facilitate speedy recovery to wellness.