Liver is one of the primary organs of the body. It performs some of the most essential functions in our body like metabolism of carbohydrates and fats, removal of toxins from the blood, and synthesis of protein. Therefore, it is essential to maintain a good condition of the liver and ensure your health insurance policy for better future.
Sometimes, due to excess fat accumulation of fat in the organ, a condition called fatty liver is developed. It is a serious ailment as it increases the weight of the organ by 5% to 10%, which further gives rise to critical issues. Fatty liver is also known as hepatic steatosis. Heavy alcohol consumption and obesity can lead to fatty liver conditions.
The exact reasons for fatty liver are yet to be discovered and scientists are constantly putting in their efforts to study the genes, diet, and pre-existing conditions of the affected people to find a common link.
You are most likely to develop a fatty liver, if you have any of these conditions-
The most common reasons for fatty liver are-
These cause Grade 1 Fatty Liver and Grade 2 Fatty Liver.
Just as there is no exact cause is known for fatty liver, similarly, no exact symptoms of fatty liver are also known. However, you can always look out for symptoms like-
These are some of the symptoms experienced by fatty liver patients.
To prevent fatty liver and keep your liver in good health, follow the given measures and precautions-
| Name of the Plan | Best Features |
|---|---|
| HDFC ERGO Optima Secure | Includes pre and post hospitalisation cost of 60 and 180 days respectively Covers organ donation cost Preventive healthcare check up is available Provides lifelong renewabilitya |
| Care Advantage Health Insurance Plan | Sum assured is available upto INR 1 crore For pre-existing diseases, the waiting period is only 48 days No maximum limit on room rent and ICU charge The plan covers 540 daycare treatment |
| Aditya Birla Activ Assure Diamond | The policy offers a 150% sum assured restoration benefit The plan provides personalised health coach consultation for chronic or lifestyle illness You can get 30% health returns on your annual premium 10% cumulative no claim bonus is available |
| Royal Sundaram Lifeline Health Insurance | No capping on room rent or disease specific limits 100% return on sum assured is available You can double your sum insured in 5 years with continuous accumulation of no claim bonus Covers Ayush treatment and vaccination in case of animal bite |
| Star Comprehensive Health Insurance policy | No capping on room rent Provides free health check up for every claim free year The plan covers second medical opinion,air ambulance assistance, Organ donor expenses, Domiciliary treatment, treatment for AYUSH Covers medical expenses for critical medical and surgical procedures |
if diagnosed at an early stage can be treated with a much lesser cost and betterment of lifestyle. However, if the situation worsens, the cost of treatment can skyrocket. Having health insurance can help meeting out the bills without putting an extreme load on your pocket. From diagnostic tests to medicines, in some cases, hospitalization costs, room rent, surgery costs and etc are all covered by health insurance. Having health insurance also provides benefits like pre and post-hospitalization, ambulance fees, and a lot more. The lump-sum payout will help you in focusing on your health rather than expense when required.
A health insurance policy for different liver conditions like fatty liver helps you cover the financial burden to a great extent whenever there is a requirement for treatment. Some of the inclusions may differ from company to company, however, the basics include-
These are some of the very common inclusions of fatty liver health insurance policy that most of the insurance companies provide. Know your requirements so you do not overspend on features that you don’t need.
Though there exist a lot of health plans and with a specific set of exclusions, some common situations are not covered by most Liver Insurance Plans. Given below is an indicative list of the most common exclusions. Make sure you go through your policy document to find out about the same:
Fatty liver can be a serious disease, however, it is not considered a critical illness in health insurance. It is a regular illness and is covered when the patient needs hospitalization for 24 hours or more.
If fatty liver is diagnosed at an earlier stage, it might be treated with a lesser cost and lifestyle changes. However, if it grows to be serious, it might cost you much more. In the worst case, if you require a transplant, it might become extremely heavy on your pocket.
Yes, liver cirrhosis is a life-threatening disease and is covered under health insurance.
Yes, getting insurance with fatty liver is possible. Critical illness covers are available for special liver conditions.
Abdominal swelling, enlarged spleen, and yellowing of skin and eyes are three of the most common signs of fatty liver.
Unfortunately, no cure has been found for the fatty liver so far. Scientists are constantly trying to find a solution.
Usually, fatty liver has no symptoms and is not extremely painful. However, it can cause constant dull pain in the upper part of the abdomen and cause tiredness.
Losing weight, being physically active, cutting back on sugar, avoiding alcohol, eating a nutrient-dense diet, and drinking coffee are some of the best ways to keep fatty liver symptoms under control.
