According to a report by the World Health Organisation (WHO), chronic diseases have caused turmoil in the national health system, socio-economic policies and development in India. With changes in lifestyle and eating habits, the risk of non-communicable disease (NCD) has increased rapidly, causing a concern.
A report states that only 13% of rural residents have access to primary health centres while 33% to a sub-centre and only 9.6% to a hospital. Therefore,to ease the financial burden arising from chronic disease treatment expenses, Bajaj Finserv has introduced the Digital Health EMI Network Card. By utilising this health card online and gaining information on types of chronic diseases, individuals can ensure proper health.
Major chronic diseases
A chronic or long term disease can cause severe health issues in an individual, which require continuous care in the form of medication and other procedures. Unhealthy lifestyle, genetics or stress can also lead to similar conditions.
Here are lists of diseases classified as chronic conditions.
- Heart disease
Heart attacks caused due to blockage in arteries and other heart-related risks falls under this category. Heart disease is a common issue which occurs when one or more arteries are unable to supply blood and oxygen to muscles and organs.The blood clot and artery blockage can be caused by LDL, saturated fat, smoking, poor diet, obesity, depression or high blood pressure.
Treatment for such conditions can be expensive, forcing individuals to put a financial contingency in place. The Bajaj Finserv Digital Health EMI Network Card helps users by converting their medical bills into no-cost EMIs, thereby allowing them to avail the perks of quality healthcare services.
- Type 2 diabetes
Diabetes occurs when the body is unable to produce enough insulin, which is converted by breaking down food into energy for cells. Usually, this is caused by obesity, genetic influence, metabolic syndrome, damaged beta cells, and increased glucose level in liver.
Many individuals choose to avoid undergoing regular diagnostic tests for diabetes due to substantial expenses. Nonetheless, availing a health card online makes diagnostic and treatment expenses bearable and convenient.
- Asthma
The swelling of muscles around the bronchial tubes causing breathing issues is called asthma. This causes breathing difficulty, wheezing, breathlessness and asthma attacks. Some of the symptoms of asthma are coughing, fatigue, panic, etc. Common types of asthma are bronchial asthma, allergic and non-allergic asthma, occupational, EIB, aspirin-induced, nocturnal and CVA asthma.
- Cancer
This chronic disease, also known as malignancy, is caused by abnormal growth of cells or lump. There are more than 100 types of cancer, like skin, breast, lung, prostate, colon cancer, etc.
Cancer treatment requires long term medication and tests, which are generally expensive. With a Health EMI card, individuals can meet the cost of surgeries and medications. One can check the health card status to gauge the available limit and other relevant information. One can avail of this benefit throughout the India.
- Kidney disease
Chronic kidney diseases can cause severe health issues and gradually lead to death. Symptoms of kidney disease are vomiting, nausea, swelling of feet and ankles, appetite loss, hypertension, shortness of breath, etc. Type 2 diabetes, glomerulonephritis, polycystic kidney, etc. are some of the most common causes of such chronic diseases.
- Osteoporosis
One of the severe chronic diseases, osteoporosis leads to brittle bones and sometimes results in fractures. This mostly occurs in the hip, spine and wrists when the creation of new bone doesn’t keep up with old ones. Symptoms of this chronic disease are backache, stooped posture, loss of height, broken bones, etc. Osteoporosis usually occurs in women pas menopause, older males and people suffering arthritis, cancer, lupus, kidney and liver dysfunction and myeloma.
Availing a health card online can be a solution to the financial burden of treating such prolonged diseases. Additionally, following a clean and healthy lifestyle can also work wonders in keeping such disorders at bay.
Benefits of health card in chronic health treatment
Health issues are one of the risks, which can cause hefty expenses. Quick diagnosis and treatment can often mean the difference between life and death. Opting for a health card online allows users to seek medical attention at renowned partner hospitals for over 800 treatment and diagnostic procedures.
Some of the benefits of health card are:
- The pre-approved limit on such cards is up to Rs.4 lakh, which can sufficiently finance high medical costs. Usage of the card extends to more than 800 treatments.
- The health card status instantly changes to active upon application and approval, allowing users to meet emergency needs without hassle.
- The insta card can be availed against a one-time fee of Rs.707 and benefit the cardholders’ family members, including parents, children, spouse and siblings.
- These health card can be used in over 5,500 of the NBFC’s partner facilities, spread across more than 1,000 cities in the country.
- The card offers complimentary personal accidental insurance of Rs.1 lakh for 1 year.
- Existing Bajaj Finserv customers can apply for the health card without submitting any additional documents through the NBFC’s official website.
With these features and facilities, health card is an essential financial tool for one’s long term medical planning. Individuals can thus avail treatment from the best doctors all over India with this card at their disposal.
