Does Critical Health Insurance Policy Cover Paralysis?

Paralysis is a medical condition where the patient loses control over the functioning of their muscles. Sensory loss and motor loss are two common effects of paralysis. It can occur due to various reasons, but damage to the nervous system is predominantly the reason for going into a state of paralysis. Paralysis can either be partial or complete and even temporary or permanent. In some cases, physiotherapy can be a useful way to restore the muscle as well as the sensory functioning of the particular organ. Since paralysis is a serious ailment, it is classified as a critical illness. The treatment cost of such ailment can easily run into five figures and at such times, a health insurance policy comes in handy in safeguarding your finances. While a standard health insurance policy does not cover paralysis treatment, you need to invest in critical illness insurance for it. In the state of paralysis, the patient requires extra attention, and thus, loss of income is another financial hiccup. A critical illness plan that pays a lump sum amount can be used for medical treatment as well as for meeting the necessities of the family.

What are the Conditions that Lead to Paralysis?

The most common cause of paralysis is atrial fibrillation which is the disorder of the heart rhythm. Here, the heartbeat is rapid and irregular and occurs due to high consumption of alcohol and even obesity. Some other conditions that lead to paralysis are as follows:

Injury to the spinal cord

Stroke

Tumours of the brain and spine

Multiple Sclerosis

Cerebral Palsy

Amyotrophic Lateral Sclerosis

Acute Flaccid Myelitis

Muscular Dystrophy

Guillain-Barre Syndrome

Post-Polio Syndrome

Neurofibromatosis

Leukodystrophies

Brachial Plexus Injury

Lyme Disease

Transverse Myelitis

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What are the Types of Paralysis?

There is no one particular type of paralysis. This illness affects different parts of the body and is classified as follows:

1. Monoplegia is a condition where the body loses control over the limbs.
2. Hemiplegia is the loss of control of either side of the body.
3. Loss of control over all four limbs is called quadriplegia.
4. Locked-in syndrome is where the body experiences a complete loss of control over voluntary muscles of the body except those regulating the movement of the eyes.

Other than the aforementioned types of paralysis, temporary paralysis is where the muscle control regains after some duration while permanent paralysis is where the control over muscles is lost forever. Spastic paralysis is a condition where the muscles become tight and hard and jerk oddly whereas the muscles shrink and become flabby in flaccid paralysis. Leading a normal life can become difficult for a person after paralysis, depending on their recovery. Some cases require a person to be wheelchair/crutches-bound or even require full-time nursing. In these situations, a critical illness plan comes to the rescue to alleviate the financial burdens associated with the treatment and maintenance of the patient. Since the treatment is not cheap, the backup of medical insurance cover helps the family maintain their standard of living while compensating for the cost of treatment and loss of income. Thus, when selecting a critical illness policy, make sure to understand what is health insurance, what it covers, and the different conditions like survival period. This information will help you choose a plan best suited for you depending on your family medical history of such critical illnesses.   *Standard T&C apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.