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Showing posts with the label #HealthAwareness

Reclassify, Don't Exclude: A Policy Roadmap for IRDAI and Indian Insurers

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India is witnessing a steady rise in chronic diseases such as Ankylosing Spondylitis (AS), Rheumatoid Arthritis (RA), diabetes , and hypertension . While medical advancements have made these conditions more manageable, health insurance underwriting often continues to treat all chronic diseases as permanent high-risk conditions. A more evidence-based approach can create a fairer and more sustainable insurance system. Why the Current Approach Needs to Change Many insurers continue to classify chronic diseases as pre-existing conditions, leading to: Long waiting periods Coverage exclusions Higher premiums Limited policy options Patients with well-controlled conditions are often assessed the same way as those with active or uncontrolled disease, despite having different health risks. The Growing Need for Reform According to the Ministry of Health and Family Welfare , more than 8.64 crore people are currently receiving treatment for hypertension and diabetes under the National Programm...

Why Autoimmune Diseases Are No Longer Limited to Older Adults in India

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Autoimmune diseases are no longer limited to older adults, they are now increasingly affecting young Indians. Conditions such as seropositive rheumatoid arthritis and Ankylosing Spondylitis are being diagnosed earlier, raising concerns about long-term health and quality of life. Key Reasons Behind the Rise 1. Lifestyle Changes Immune balance is increasingly under threat due to our sedentary lifestyles, long working hours and general lack of physical activity. Factors such as these have significantly upped the risk factors associated with ankylosing spondylitis. 2. Dietary Habits Process foods and increased sugary intake can affect your gut health which is crucial for your immune system. 3. Genetic & Environmental Triggers Genetic factors and ankylosing spondylitis genetic risk play a significant role in the development of ankylosing spondylitis . However, exposure to pollution and environmental toxins appears to be hastening the onset of symptoms. 4. Stress & Mental Health St...