What Are Chronic Management Programs in Medical Plans?

 What Are Chronic Management Programs in Medical Plans?

Modern living is stressful; you go through a lot of mental and physical exertion to achieve your goals and provide the best for your loved ones. However, you end up compromising on your health due to stress.

To deal with this hectic lifestyle, you need a facility that takes care of your health and ensures financial security in case of a medical emergency. Such an offering will make you feel happy and confident. It will help you focus on your wellbeing. 

Some insurance companies provide you with a unique chronic management program. However, before getting into the features and benefits of the program, you must understand the meaning of chronic illnesses (critical illnesses).

About critical illnesses

These ailments are medical conditions that pose severe risks to your health. If you do not seek appropriate treatment for the illness in time, it may result in an unfortunate event. Often, the treatment for such ailments is expensive and requires long-term management. Some critical illnesses include cancer, heart conditions, liver disorders, diabetes, hypertension, and many more.

Chronic management programs

Managing chronic ailments is quite challenging and requires a systematic approach.These programs provide coverage for ailments like diabetes, high cholesterol, asthma, and hypertension. They are a part ofcertain cashless health coverage plans and cover diagnostic tests, hospitalization, medical consultations, and pharmacy expenses.

Features and benefits

  • Provides coverage from day one
  • Has the facility of a wellness coach for guiding you to a healthier lifestyle
  • Accumulates Health Returns, which helps you earn back up to 30% of the premiumon your medical insuranceplan
  • Allows you to carry forward the unutilized out-patient department (OPD) expenses to the next year
  • Enables automatic upgrade for the program at no additional premium if you are diagnosed with a critical condition after purchasing the policy

Most critical illness health insurance policies cover treatment expenses; however, such programs encourage you to take control of your health and offer rewards for following an active style of living.

Life is unpredictable, and the stressful lifestyle puts you at a higher risk of suffering from a chronic illness. A mediclaim policy, which includes such programs, gives you the capability to face any adverse condition with self-confidence. Moreover, you can improve your mental and physical wellness and lead a healthy life. 

Health insurance for high cholesterol ensures you do not have any financial difficulties in case of a critical illness. If a chronic management program is a part of any health cover, it will motivate you to adopt a healthier lifestyle to handle your condition.

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