Let’s understand which are the most common critical illnesses in India?
- Heart Attack
- Kidney Failure which may lead to an Organ Transplant or dialysis
- Various types of cancer
- Burn injuries
If we consider the cost of managing these illnesses, it seems beyond the reach of a common man. Costs of regular dialysis can range between Rs.50 thousand-2 lakhs depending upon the city and the severity of the condition.
If the condition requires a kidney transplant, costs range between Rs.4-7 lakhs. A heart bypass surgery, medically known as CABG(Coronory Artery Bypass Grafting) costs anywhere between Rs.1.3 lakhs to 3 lakhs depending upon the kind of hospital and the city in which you are getting it done.
The above are actually only hospitalization costs. What about the impact of being unable to work due to the recovery process? Is that even considered? The answer is ‘no’! That is not covered by mediclaim. Recovery from a critical illness may take around 2 months or so to actually be fit enough to take the stress of hectic work, travel, etc. If you’ve undergone a kidney transplant, it may take you even longer around 2 to 6 months to recover. If you are the breadwinner for the family, you you may end up exhausting all your lifetime savings in order to make ends meet.