Top Health Insurance for Alzheimer’s Patients

What is Alzheimer's Disease?

Alzheimer's disease is a progressive disorder in which brain cells slowly degenerate and die. It affects an individual's ability to behave & interact socially and carry out daily activities. It is the most common cause of dementia that results in a decline in thinking and a person's ability to perform tasks independently.

One of the alarming and early signs of Alzheimer's is forgetting a recent event or conversation. They tend to forget things and may ask the same thing every time. However, people with Alzheimer's disease require intensive care as the disease worsens.

Symptoms of Alzheimer's Disease

Here are some of the most common symptoms of Alzheimer's disease:

Memory problems that disrupt daily life
Change in personality or behaviour
Frequent changes in the mood
Difficulty in solving a problem
Difficulty in completing a task
Sudden withdrawal from family and friends
Verbal and written communication issues
Trouble in handling money
Decreased or poor judgement
Misplacing things and being unable to retrace steps

Who Should Buy Health Insurance for Alzheimer's Disease?

Health insurance for Alzheimer's disease should be purchased by:

People above 65 years
Those with a family history of Alzheimer's disease
People with Down Syndrome
Females
People with mild cognitive impairment (MCI)
People with a traumatic brain injury or head trauma
Those living in a polluted environment
People who consume excessive alcohol
Those with poor sleeping patterns
People prone to heart problems due to poor lifestyle
People with fewer years of formal education

Benefits of Buying Health Insurance for Alzheimer's Patients

Take a look at some of the key reasons to buy health insurance for Alzheimer's patients:

High Incidence of Alzheimer's Disease

Alzheimer's is an extremely common disease, especially among women and older people. As per the Longitudinal Aging Study in India, about 8.8 million people in India are living with dementia, with Alzheimer's claiming most cases. Besides, the disease cannot be cured completely; only its intensity can be reduced with medication and proper care. By buying a mediclaim insurance policy, people can get the best treatment and care for Alzheimer's without exhausting their lifelong savings.
Expensive Alzheimer's Treatment Cost

Obtaining treatment for Alzheimer's disease can be expensive and can drain all your savings. Moreover, it may restrict the patient from working and earning an income as their whole lifestyle can take a setback. However, a critical illness insurance policy will pay a lump sum benefit to ease the financial pressure resulting from Alzheimer's. The money can be utilized to pay for the line of treatment recommended by doctors as well as for care and recovery. It can also be used to pay off debts, cover the loss of income, and, in some cases, adapt to lifestyle changes.

Best Health Insurance Plans for Alzheimer's Patients

Check out the best health insurance plans for Alzheimer's patients:

Health Insurance for Alzheimer's Plans	Entry Age	Sum Insured (₹)	Waiting Period	Survival Period
Aditya Birla Activ Secure - Critical Illness Plan	Min - 5 years Max - 65 years	1 lakh to 1 crore	90 days	15 days
Bajaj Allianz My Health Care Plan	Min - 90 days Max - 65 years	3 lakh to 5 crore	2 years	-
Care Assure Plan	Min - 18 years Max - 65 years	1 lakh to 3 crore	90 days	-
Cholamandalam Flexi Max Protect Plan	Min - 5 years Max - 65 years	50,000 to 5 crore	90 days	30 days
Digit Total Protect Plan	Min - 91 days Max - 85 years	5,000 to 3.5 crore	30 days, 60 days, 90 days	30 days
HDFC ERGO Critical Illness Insurance Plan	Min - 5 years Max - 65 years	1 lakh to 50 lakh	90 days	15 days, 30 days
ICICI Lombard Criti Shield Plus Plan	Min - 91 days Max - 65 years	1 lakh to 1 crore	90 days	No survival period
IFFCO Tokio Critical Illness Benefit Policy	Min - 3 years Max - 65 years	1 lakh to 1 crore	30 days	28 days
Liberty Critical Connect Plan	Min - 5 years Max - 65 years	1 lakh to 1 crore	90 days	30 days
ManipalCigna Lifestyle Protection - Critical Care Plan	Min - 18 years Max - 65 years	1 lakh to 25 crore	90 days	30 days
National Critical Illness Policy	Min - 5 years Max - 65 years	1 lakh to 75 lakh	90 days	90 days
New India Assurance Criti Protect Policy	Min - 18 years Max - 65 years	5 lakh to 50 lakh	90 days	No survival period
Niva Bupa Health Multiplier Plan	Min - 91 days Max - 65 years	5 lakh, 10 lakh	-	-
SBI Super Health Insurance Plan	Min - 91 days Max - No age limit	3 lakh to 2 crore	-	-
Star Critical Illness Multipay Insurance Plan	Min - 18 years Max - 65 years	5 lakh to 25 lakh	90 days	15 days
Tata AIG Criti MediCare Plan	Min - 18 years Max - 65 years	5 lakh to 2 crore	90 days	7 days, 15 days
Universal Sompo Supreme Healthcare Plan	Min - 90 days Max - No age limit	5 lakh to 6 crore	2 years	-
Zuno Health Plus Plan	91 days onwards	1 lakh to 5 crore	90 days	-

See More Plans

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

Inclusions of Health Insurance for Alzheimer's Patients

Health insurance for Alzheimer's patients includes the following coverage:

Hospitalization expenses
Second medical opinion
Child Education
Health check-up
Ambulance charges
Prescribed Medical Aid Expenses
Consumables expenses
Loss of job cover
Double protection cover
EMI protection cover
ICU benefit
Teleconsultations

Note: The coverage list may vary from one Alzheimer's insurance plan to another.

Exclusions of Health Insurance for Alzheimer's Patients

The following expenses are excluded from health insurance for Alzheimer's patients:

Neurosis, psychiatric illness and other non-organic diseases
Alcohol-related brain damage
Any type of irreversible organic disorder or dementia
Unproven treatment
Dietary substances
Injuries due to participation in adventure sports

Tips to Take Care of an Alzheimer's Patient

Here are some useful tips for taking care of a family member suffering from Alzheimer's disease:

Make a Proper Routine: If you are taking care of someone with Alzheimer's, then you need to first create a daily routine for them. This will include making regular medical appointments with the doctor in case they show some symptoms. Moreover, the doctor can examine the patient better if a family member is present.
Avoid Distractions: Alzheimer's patients can get easily distracted, so you need to find ways to reduce them. An easy way to reduce distractions while talking to them is to switch off the TV, phone, or music, as it becomes easier for them to focus. Moreover, make sure that you provide simple instructions to them that are easy to follow.
Create a Protected Environment: If someone in your family suffers from Alzheimer's disease, then it is important for you to create a protected environment for them. You might want to keep all the electronics away from their reach and make your home a safe place for them. Besides, electronic items but you might also want to put away extension cords, rugs, and other items that can make them fall.
Be Flexible and Patient: Taking care of an Alzheimer's patient requires a lot of flexibility and patience. You may have to repeat yourself multiple times or face resistance from them. To overcome any frustration, you can follow a fixed routine and be cooperative.
Be Understanding: Alzheimer's patients tend to forget things and have behavioural issues as their mood swings quite often. The trick to deal with them is to be calm and compassionate.

FAQs

Q1. Is Alzheimer’s a critical disease?

Ans: Yes. Alzheimer’s is a critical illness and is covered by most insurance companies under critical illness insurance plans.
Q2. Does health insurance cover dementia care?

Ans: Yes. Most health insurance companies provide coverage for Alzheimer’s disease, which is the primary cause of dementia
Q3. What health benefits can you claim if you have Alzheimer’s?

Ans: If you have Alzheimer’s, you can claim your critical illness policy to pay for the treatment cost and use it as a substitute for loss of income.

Health insurance companies

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in