The legendary boxer Mohammad Ali, the eminent physicist Stephen Hawking and Pope John Paul II have one thing in common. They all suffered from a medical condition called Parkinson’s Disease. A neurological disorder that inhibits natural body movements. If you know these personalities, you may be familiar with this condition. Although rare, it can be life-altering and the treatment costs could amount to a lot. In this article, we will be discussing if Critical Illness Insurance covers Parkinson's Disease.
Zero
Waiting period
14,300+
Cashless hospitals
100%
Bills covered
Critical Illness Insurance for Parkinson’s Disease
Parkinson’s Disease is a nervous disorder. It usually affects the nerve cells in the brain that are responsible for the production of a brain chemical called Dopamine. This chemical is typically responsible for the regulation of body movement. Hence, symptoms of this condition may include progressive imbalance and incoordination. Fortunately, with proper treatment, these symptoms can be managed to some extent.
Get comprehensive coverage at affordable rates with our Standard Plan. Choose from coverage options of ₹10 Lakhs, ₹25 Lakhs, ₹50 Lakhs, or ₹1 Crore.
Our Platinum Plan offers extensive coverage with a high sum insured, featuring no deductions on claims and no waiting period, making it perfect for maximising your benefits.
Enhance your existing health coverage with the Super Top-up Plan. After meeting a deductible, enjoy added protection with no waiting period and a high sum insured.
The exact causes of Parkinson's Disease are currently unknown. Nonetheless, it is speculated that it may be caused by genetic and environmental factors. Below are some of the common symptoms that show up in individuals suffering from Parkinson’s Disease.
This consists of shaking or trembling of hands, arms, legs, or any other part of the body, which generally happens at rest.
A person who has Parkinson's experiences stiffness in the hand and legs due to muscle rigidity. As a result, movements are very hard and movement could be difficult.
Bradykinesia is slow physical movement, due to this everyday tasks may take longer than usual.
Parkinson's disturbs the balance and coordination of the body, leading to frequent events of falls and difficulty in maintaining posture.
Because it affects motor control, subconscious movements, such as blinking or swinging of arms while walking, are lost in individuals with Parkinson's.
Parkinson's can affect fine motor skills, thereby changing the performance of activities related to precise hand movements, such as buttoning up a shirt or writing.
Usually, Parkinson's Disease cannot be cured. However, it may be treatable in most cases. Below are some of the common treatments prescribed by doctors.
Usually, Parkinson's Disease cannot be cured. However, it may be treatable in most cases. Below are some of the common treatments prescribed by doctors.
Disclaimer: The above-mentioned treatments for Parkinson’s Disease are purely informational. If you or your loved one suffers from the disease, kindly seek the medical advice of a qualified doctor.
Also read: Family health plan
Fortunately, Critical Illness Insurance offers financial compensation for individuals diagnosed with Parkinson’s Disease. So, once the disease is diagnosed and a claim is raised, your insurer will pay you the sum assured as defined in the policy. This lump sum can be used to settle medical bills and take care of other expenses. The insured reserves the right to decide on how this amount is spent.
The following are the usual medical expenses that crop up while availing treatment for Parkinson’s Disease.
Costs for diagnostic tests like blood work, X-rays, and scans.
Expenses related to your stay in the hospital for treatment.
Charges for the medical procedures and surgeries you undergo.
The cost of the hospital room where you stay during treatment.
Fees for intensive care unit (ICU) services if critical care is needed.
Charges for consultations and visits from your treating doctors.
Expenses for prescribed medicines during and after treatment.
Costs for emergency transportation to the hospital by ambulance.
The survival period is the duration the insured is required to survive a condition before receiving a policy’s coverage benefits. Claims raised during this time will not be compensated. Under Critical Illness Insurance, the survival period for Parkinson's Disease is usually around 14 to 30 days. You can find the exact survival period duration of a plan by reading your policy document or by asking the insurer.
Suffering from Parkinson’s Disease can be a life-long challenge. Having health insurance for Parkinson's patients in India can help you focus on coping with lifestyle changes, without needing to worry about finances. Also, your earning capacity may be hindered by this condition. Hence, the lump sum that your insurer will pay, may help you manage your expenses. Also, under “Section 80D”, you may be able to claim a tax benefit of up to Rs. 50,000 (subject to changes) for the premium paid.
Also, read: 1 Crore Sum Insured
Below are some tips to avoid getting Parkinson’s Disease.
Parkinson's disease insurance coverage cannot be claimed in the following instances.
Critical Illness Insurance also covers other critical health conditions. So, you can receive protection from multiple health conditions by investing in a single plan. Below are some of the other health conditions that are covered under a Critical Illness Insurance Plan.
A sudden blockage of blood flow to the heart, leading to damage of heart muscle tissue.
A disease where abnormal cells grow uncontrollably, potentially spreading to other parts of the body.
Loss of muscle function in part of your body, often caused by damage to the nervous system.
A medical emergency where blood flow to the brain is interrupted, causing brain cell death and possible loss of function.
The kidneys lose their ability to filter waste from the blood, leading to a dangerous buildup of toxins.
A chronic disease where the immune system attacks the protective covering of nerves, leading to communication issues between the brain and the body.
A condition where the kidneys stop functioning properly, often requiring dialysis or a transplant.
Medical procedures involving the replacement of a failing organ with a healthy one from a donor.
ACKO Health Insurance Policy covers critical illnesses and has a sum insured value of Rs. 1 crore. Since the sum insured is high, you may be able to cover all your medical expenses within that sum. Also, there is no waiting period. Thus, you can avail of coverage from day one!
Additionally, pre-existing conditions are also covered. Usually, insurers cover pre-existing conditions only after the completion of a waiting period of 2 to 4 years. However, under an ACKO Health Insurance Policy, you can avail of coverage as soon as you buy the policy!
Note: Coverage for pre-existing conditions under ACKO Health Insurance Policy is applicable only if the conditions are disclosed at the time of buying the policy.
Suffering from Parkinson’s Disease may cause a lot of stress. But with proper treatment, support and motivation one may be able to lead a normal life. Since this disease may require major lifestyle changes, buying Critical Illness Insurance may help you sort out your finances. Alternatively, you can consider buying an ACKO Health Insurance Policy. That way, you can focus fully on fitting into your new normal.
The following questions may help answer queries you may have regarding Critical Illness Insurance for Parkinson’s Disease.
791 Linkedin Followers 
Reviewed by Rupinderjit Singh 
Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions.
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
Products 
Company
Legal
Support
Car Insurance 
Bike Insurance
Health Insurance
Group Health Insurance
Travel Insurance
Life Insurance
