Best Health Insurance for Paralysis Patients

What is Paralysis?

Paralysis is a medical condition where a person loses the functioning of muscles in the body and cannot make voluntary movements. It usually occurs due to damage to the nervous system, often caused as a side effect of injuries to the spinal cord or brain. Sometimes, a cancerous cell can also lead to a paralysis attack. Besides motor loss (i.e. loss of muscle function), paralysis can also lead to sensory loss (i.e. loss of sensation in the affected areas).

Paralysis is one of the most common life-threatening medical conditions. As per the Indian Institute of Paralysis, a person has paralysis in India every minute, with 90% of them not getting proper treatment. Moreover, it may lead to other health problems like depression, chest pain and high blood pressure.

Types of Paralysis

Paralysis can be of different types, depending on the affected area. They are as follows:

Monoplegia - When the patient loses control over their limbs.
Hemiplegia - When the patient loses control over one side of their body.
Quadriplegia - When the patient loses control over all their four limbs.
Locked-in Syndrome - When the patient loses complete control over voluntary muscle movements in the body, except for the ones that regulate the movements of the eyes.

Some other types of paralysis are as follows:

Temporary - When the control over a few or all muscles goes and comes back periodically.
Permanent - When the patient loses control over their muscles forever.
Spastic - When the patient’s muscles are hard & tight and jerk oddly.
Flaccid - When the patient’s muscles shrink and become flabby.

What Causes a Paralysis Attack?

Here are some of the causes of a paralysis attack:

Spinal Cord Injury
Strokes
Brain Tumour
Spinal Tumour
Multiple Sclerosis
Cerebral Palsy
Amyotrophic Lateral Sclerosis
Acute Flaccid Myelitis
Muscular Dystrophy
Guillian-Barre Syndrome
Post-Polio Syndrome
Neurofibromatosis
Spina Bifida
Leukodystrophies
Brachial Plexus Injury
Lyme Disease
Transverse Myelitis

Benefits of Buying Health Insurance for Paralysis Treatment in India

Take a look at some of the key reasons for buying health insurance for paralysis patients in India:

High Incidence of Paralysis in India

Paralysis has become extremely common in India. As per national statistics, around 12,000 to 15,000 cases of paralysis per one crore people are found every year in India. Besides, there is no complete cure for paralysis. By buying health insurance for paralysis in India, people can stay financially prepared for any incidence of paralysis attack in future.
Expensive Paralysis Treatment Cost

Paralysis treatment is quite expensive in India. Usually, paralysis treatment cost in India falls between the range of ₹7000 and ₹1 lakh, depending on the disease’s severity and the affected body part. Besides, the patient may constantly need physiotherapy, wheelchair support, crutches, full-time nursing, etc., adding to the medical costs. With critical illness insurance, the policyholder can use the lump sum amount received by the insurer to pay for the medical bills incurred on the treatment and recovery from paralysis.

List of Health Insurance Plans for Paralysis Patients

The following table showcases the ideal health insurance for paralysis patients in India:

Health Insurance for Paralysis Plans	Entry Age	Sum Insured (₹)	Waiting Period	Survival Period
Aditya Birla Activ Secure - Critical Illness Plan	Min - 5 years (18 years under Plan 3) Max - 65 years	1 lakh to 1 crore	90 days	15 days
Bajaj Allianz Criti Care Plan	Min - 90 days Max - 65 years	1 lakh to 50 lakh	120 days, 180 days	7 days, 15 days
Care Assure Plan	Min - 18 years Max - 65 years	1 lakh to 3 crore	90 days	-
Cholamandalam MS Critical Healthline Insurance Plan	Min - 5 years Max - 65 years	1 lakh to 10 lakh	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
Future Generali D.I.Y. Health Plan	Min - 1 day Max - 65 years	4 lakh to 15 lakh	-	-
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
Magma HDI OneHealth Insurance Plan	Min - 91 days Max - No age limit	2 lakh to 3 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 Assurance Plan	Min - 18 years Max - 65 years	3 lakh to 3 crore	90 days	30 days
Oriental Critical Illness Plan	Min - 18 years Max - 65 years	2 lakh to 50 lakh	90 days	30 days
Reliance Critical Illness Plan	Min - 18 years Max - 65 years	5 lakh, 7 lakh, 10 lakh	90 days	60 days
Royal Sundaram Lifeline Insurance Plan	Min - 91 days Max - No age limit	2 lakh to 1.5 crore	90 days	-
SBI Critical Illness Insurance Policy	Min - 18 years Max - 65 years	2 lakh to 50 lakh	90 days	28 days
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
United India UNI CritiCare Plan	Min - 21 years Max - 65 years	1 lakh to 10 lakh	90 days	30 days
Universal Sompo Critical Illness Insurance Plan	Min - 5 years Max - 65 years	2.5 lakh to 20 lakh	90 days	30 days
Zuno HealthPlus Plan	91 days onwards	1 lakh to 5 crore	90 days	-
Zurich Kotak (formerly known as Kotak Mahindra) Secure Shield Plan	Min - 18 years Max - 65 years	10,000 to 20 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 Paralysis Patients

Health insurance for paralysis patients includes the following:

Lump sum payment on diagnosis of paralysis
Second e-opinion
Physiotherapy care
Emergency ambulance
ICU benefit
Health check-up
Wellness Program

Exclusions of Health Insurance for Paralysis Patients

The following coverages are excluded from health insurance for paralysis patients:

Non-medical expenses
Non-allopathic treatment
Unproven treatment
Treatment of alcohol or drug addiction
Self-inflicted injuries

Tips to Prevent a Paralysis Attack

Since spinal injuries are the biggest cause of paralysis, check out some key tips to prevent an injury to the spinal cord:

Always wear a seatbelt while travelling in a car
Avoid driving in an intoxicated state or travelling with a person driving in a drunken state
Take proper precautions while participating in sports activities like gymnastics
Check the depth of water before diving in
Do not move a person with neck/head/spine injury without the help of a medical professional

FAQs

Q1. Is paralysis covered in health insurance?

Ans: Yes. Paralysis is covered by most health insurance companies in India under critical illness insurance plans.
Q2. Is paralysis covered under critical illness insurance?

Ans: Yes. Most insurers provide coverage for paralysis under their critical illness insurance plans by paying a lump sum amount on its diagnosis.
Q3. Where can I check health insurance for paralysis treatment costs in India?

Ans: You can check the health insurance for paralysis treatment costs in India by checking the premium chart of the health policy. You can also reach out to the insurer’s customer support team to learn about the premium. Moreover, you can use a health insurance premium calculator on Policybazaar.com to know the premium of the mediclaim policy for paralysis treatment.

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