While the physical and mental toll of a disease is known and often cautioned about, the financial burden, though expected, takes its own toll and can be much higher than what we imagined. Let’s take a look at the humongous financial strain that these common illnesses can cause:
The Financial Burden these 4 Common Illnesses Could Cause You!
Dengue is a disease that is fairly common in India. No matter what we do, there is no way you can be absolutely certain that there are no mosquitoes hovering anywhere near you. More often than not, dengue leads to hospitalization. The treatment includes fluids and antibiotics, blood transfusions for platelets, and medications. Round the clock care combined with the cost of a room in any hospital can also lead to costs that can cross lakhs. Not everyone has those kinds of funds sitting in their accounts and even if they do, they still represent a big amount to spend all in one go.
Being diagnosed with cancer can be extremely hard on the patient and the family. The fear of this disease can often make patients thoroughly depressed, while the physical exhaustion can make you feel like you’re just not getting better. However, the financial pains are not lesser. The average cost of chemotherapy ranges between Rs. 50,000 – 65,000 per session. Add to this the cost of hospitalization (if needed), costs of nurses, doctors, IV drips, any medication, and the bland hospital food and you’ve totalled a number that reaches lakhs in a few weeks easily. No matter how financially secure you may be, the final figure will add a sizeable dent to your finances.
3. Heart Disease
The term heart disease is an umbrella term that includes any cardiovascular disease. If you suffer from a major heart disease, and require any kind of hospitalization for the same, the costs can be alarmingly high. Whether your treatment requires surgery, stents, a heart transplant, or any other procedure, you are likely to face a staggering bill at the end of it amounting to lakhs usually. Heart diseases are very common in India, especially amongst working professionals who face a lot of stress. High blood pressure, diabetes and even improper diets can also lead to the development of heart problems.
4. Cervical Spondylosis
Cervical spondylosis is an ailment that is becoming increasingly common today. With long work hours spend leaning over laptops and computers, more and more working professionals are suffering from problems in their back and shoulders. This is a lifelong ailment and the treatment mainly includes intensive and numerous sessions of physiotherapy and medication for pain relief. The average cost of a physiotherapy session in India ranges from 1,500 – 5,000 per hour, depending on where you go. With multiple sessions required in a month, the final bill can pinch you financially and reduce your spending power by a large margin.
There isn’t a lot that can be done when it comes to the prevention of some of these diseases. However, you can prevent the financial toll they take on you by investing in health insurance and ensuring that at least some, if not all, of the costs of being ill can be covered by your policy. The amount of pressure that it relieves from you and your family can be tremendous and can affect your outlook and recovery greatly.