What is a catastrophic disease?
catastrophic disease is a serious health condition that requires extensive medical care and hospitalization. This type of disease usually imposes a significant financial burden on the patient and/or its health insurance providers. Examples of catastrophic disease include coma, various cancer, stroke and weakening cardiac conditions. The health condition falls into the category of catastrophic diseases if it prevents individuals from work, normally functioning and fulfillment of its financial obligations.
Cancer is one of the examples of catastrophic disease. Some cancer patients require a wide range of treatment procedures such as surgery to remove tumor, chemotherapy and radiation to eliminate cancer cells. In terminal cases, the patient sometimes needs hospitalization and 24 -hour care. A patient with good health insurance may have coverage for most of its treatment costs. For a cancer patient without insurance must find a way to pay for expanding treatment nEbo allows the disease not to be treated.
Calls of catastrophic diseases are numerous. A patient who suffered a stroke might lose the use of important bodily functions. For example, the inability to move one side of the body can be debilitating about the chances of an individual to work and financial support. Perhaps it will need help to fulfill everyday tasks requiring full -time attention to a nurse or relative. His challenges and burdens can be physical, work and financial.
Being in a coma is considered a catastrophic disease because the patient requires extensive monitoring and hospitalization. The condition may continue for an indefinite period and in some cases there is no hint of recovery. Comas are unexpectedly brought and may be due to excessive alcohol intake, drug abuse, stroke or accidents causing eAD. Some patients with comments are recovering rapidly but othersHou remain in a coma for years. Extensive care and costs are associated with COMAS in all cases because patients must be feeding and monitored continuously.
Health insurance for catastrophic diseases is designed to alleviate the financial burden for individuals and their families in the event of an unexpected disease. Premiums for these types of fuses usually cost less for younger age groups and for those who do not have existing health problems. Individuals who are older and have existing cancer or heart -related conditions usually pay more for this type of insurance. Insurance of catastrophic diseases usually covers part of the cost of hospitalization, home care, doctor's visits and laboratory tests. The cost and scope of this type of coverage varies according to the insurance company and fuse.