Health Insurance for a Down Syndrome Child in India – Detailed Guide

Health Insurance for a Down Syndrome Child 

Down Syndrome is a genetic disorder that affects thousands of children every year. Do you know if there are health insurance policies that cover Down Syndrome children in India? Let’s find out in this post!

A very common disorder of the genetic, the Down Syndrome, has been affecting thousands of children every year who were born with this disorder. That is the reason why would-be parents want to know if there is any health insurance policy in India that gives coverage to children born with Down Syndrome.  Let us find out in this post all about the disorder including down syndrome meaning and if there are health policies that cover the disease.

What causes Down Syndrome? 

As already discussed above, Down Syndrome is a genetic disorder that a child is born with. The condition is caused by an extra set of chromosome 21 that the child inherits by birth.  This extra copy is caused by the irregular division of cells in the yet to be born child in their mother’s womb. These additional chromosomes bring upon irregular physical growth  and slow the process of logical development among children.

Down Syndrome is an incurable disease that stays lifelong. Further, the disease enhances the chances of getting other diseases like sleep apnea, immune disorders, congenital heart defects and so on. Thus, it is good for a child with down syndrome to have the best health insurance plan. But, are there any health policies covering a down syndrome child?

Down Syndrome: Symptoms 

The symptoms of Down Syndrome are very distinct. A child suffering from this condition is characterized by a face that is flat and a short neck. Other symptoms include:

• the size of head and ears is small
• The muscle tone is poor
• The hands and feet are tiny
• The iris of the eyes has white spots which are tiny in size
• The overall stature of the child remains short
• They have a protruding tongue
• Their eyes are mostly inclined upward and they have loose joints

Also, a down syndrome baby experiences a delay in learning. They are mostly bad at making judgments. They also have issues with speech & language and find it difficult to take spontaneous actions. They have limited attention spans and lack toilet training. Furthermore, they find it difficult to sleep as well.

Read More: Benefits of Opting Child Health Insurance Plans

Are There Any Health Plans for Down Syndrome children ?

You would be glad to know that there are a couple of Health Insurance for Down Syndrome Child . Bajaj Allianz Women Specific Critical Illness is one such plan that allows coverage for Down Syndrome children.  Also, Care Joy Maternity Insurance plan also provides insurance coverage for kids born with Down Syndrome. However, in this case after diagnosis the child should survive for at least a month to avail such coverage.

Other than the above two plans, most other health plans in the country do not offer coverage for Down Syndrome. Actually down syndrome is regarded as an external congenital disease, which receives permanent exclusion from insurance policies as per IRDAI guidelines.

However, certain therapies that are required by children suffering from Down Syndrome are covered in some health plans. For instance,  speech therapies that are mostly prescribed to children under down syndrome are covered in many insurance plans.

Likewise, other diseases that many patients with down syndrome suffer such as Alzheimer’s is also covered by many insurance policies.

For better knowledge it is important to confirm with your insurer if they cover the disease and to what extent.  Also, check if there is any waiting period levied in case the insurer offers coverage. Down syndrome is normally considered a pre-existing disease as it is present in a child since birth.

7 Facts to know about Down Syndrome 

Here are some facts that you should know about Down Syndrome:

1. In India, one child in every 830 children has Down Syndrome
2. This is a terminal disease because people lack awareness about it
3. If the child is born from a mother who is aged, there are more chances of being the child born with this syndrome
4. Down Syndrome cannot be prevented in any way
5. Patients of Down Syndrome have more chances of getting other infections and diseases
6. With awareness and better treatment the life expectancy of such patients can be improved along with improving their life quality
7. If one child in the family suffer from such disease, the chances of the second getting the same becomes more

To Sum Up

Down Syndrome is a terminal disease that stays with a child for lifelong. It is not curable and can also not be prevented. But the condition and seriousness of the disease can vary from person to person. The sooner the treatment and therapy starts, the better it is for the child.  Here, buying the best health insurance in India that covers Down Syndrome children would support in a great way.

Found this post informational? Browse PayBima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance and Investment section. You can visit PayBima to Buy Insurance Online.

 

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What are the Things One Can Do When Their Term Insurance Policy Expires?

Things To Do When Term Insurance Policy Expires

A term insurance plan provides monetary security to a family in the absence of the head earning member. But do you know what happens if a term insurance policy expires ? Let’s find out!

So, your term insurance plan is coming to an end and you are not sure what to do with the maturity amount. One option is to take the amount and close the policy. In this case you may be without life coverage for the remaining years of your life. Many people go for this option, particularly if their children are grown up and settled and they have enough savings for themselves.

But there are other options as well. So, if you want to know what to do when your term life insurance expires, read on. In this post, we are discussing the various options that a policyholder can avail  if their policy term comes to an end.

Options a Policyholder Have if  Term Insurance Policy Comes to an End

Here are some of the things that a policyholder can do if their policy term comes to an end:

• You can go for an extension of your current term policy – Most policies allow the insured to keep their policy active by renewing it year after year till they attain 95 years of age. These policies come with the feature of guaranteed renewability, which allow the policyholder to extend their coverage.  Under this feature, a policyholder can keep the policy going even after it reaches maturity. Further, they do not need to go through any new paperwork and medical examination. However, in this case the premium amount will be modified or increased by the insurer.
• You can switch your term plan into a permanent plan – This is a new feature available with most policies these days called as a conversion option. This rider allows the policyholder to convert his/her term plan and make it a permanent policy. Here also, the insured is not required to go through further medical examination. However, it depends on the insurer how they prefer to handle the switch or conversion from term insurance to a permanent insurance plan. Thus, the policyholder has to go through the terms and conditions of the policy to know how the process works and what options they have. For instance, switching to a whole life policy. Also, depending on the insurance company they can allow a time frame or age limit by which such conversion is allowed during the tenure of the policy. This can be a good alternative for many people. However, they need to consider the conversion before the expiry of the policy or within the conversion deadline allowed by the insurer. Thus, in this case you must know when does your term life insurance expire.
• You can buy a new life insurance policy – Depending on the need and the situation at the time of expiry of the policy, you may even choose to buy a new life insurance policy altogether. If you have enough savings and you do not want to invest the same amount you have just received. So, you may rather prefer to buy a new coverage than investing the maturity amount further. Also, if you have greater needs for your bigger family, you may prefer to buy another plan.

Read More: Best Term Insurance Plans in India 2022

In this case, you may like to buy a policy with short term life insurance duration rather than going for a long duration policy of 10, 15 years. You can talk to your insurer and modify the duration as per your requirement. Keeping a track of when your term life insurance expires would help in this regard to plan ahead and look for a new and effective term insurance policy.

To Conclude

As discussed above, now you know what happens to term life insurance when it expires. Also you know about the various options that can be used to extend your term plan when it matures or comes to an end. You may choose a plan that combines a permanent plan like a whole insurance policy together with a term insurance plan. This way your policy will offer greater monetary benefits along with offering extra coverage in the short duration of time of your extended policy.

Found this post informational? Browse PayBima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance and Investment section. You can visit PayBima to Buy Insurance Online.

 

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