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Not Only Health Insurance, But This is also the Importance of Critical Illness Insurance

Not Only Health Insurance, But This is also the Importance of Critical Illness Insurance - You certainly have often heard the slogan "better to prevent than cure." The importance of maintaining a healthy diet and lifestyle is necessary so that we stay healthy and avoid health problems, especially critical illness.

Why are healthy habits important? Because healthy habits are very beneficial for your physical, mental, and emotional health.

Healthy habits can also improve the quality of your life. But despite trying as much as possible to prevent getting affected by the disease, sometimes there are still critical illnesses that can lurk you.

What is a important illness?


In fact, there are no specific categories that can make an illness essential. But the understanding of this disease refers more to a media disorder that includes deadly. The costs needed to deal with this disease are generally quite large.

In Indonesia itself, there are a series of health problems that fall into the category of critical illness. For example, stroke, coronary heart disease, diabetes mellitus, influenza and pneumonia, tuberculosis, liver disorders, and lung disease.

Prevalence of critical illness in Indonesia

The number one deadly disease in the world every year is still occupied by hypertension. This disease is actually not only a problem in Indonesia, but also across the globe.

Hypertension may not seem dangerous, but this condition can increase the risk of sufferers to be exposed to other deadly diseases. Starting from heart disease, kidney disorders, diabetes, to stroke.

In addition to hypertension, infectious diseases such as tuberculosis and pneumonia also need attention. The reason is, these health problems continue to emerge in Indonesia.

  • According to data from 2018 Rikesdas, the prevalence of critical illnesses in Indonesia is as follows:
  • First-order: Hypertension with the number of sufferers is approximately 34.1% of the total population aged 18 years and over.
  • Second-order: Stroke with an estimated number of sufferers of 10.9%.
  • Third-order: Diabetes with the number of patients, around 8.5%.
  • Fourth-order: Chronic kidney disease with an estimated number of sufferers around 3.8%.
  • Fifth: Pneumonia with about 2% of the patients.
  • Sixth order: Tuberculosis with the number of sufferers around 0.4%.

Apply a healthy lifestyle for disease prevention 

Maintaining a healthy lifestyle is one of the main steps in preventing multiple health problems. You can do this in a series of simple ways below:

1. Maintain a balanced diet

You can start by consuming more vegetables and fruit, reducing consumption of fast food and high fat, increasing the portion of high-fiber foods, and limiting your intake of sugar and salt.

2. Keep your weight to the ideal

Being overweight or obese can trigger the risk of various diseases. Similarly, the bodyweight is below average.

3. Exercise regularly

Exercise can help you maintain your ideal body weight and lower blood pressure, cholesterol levels, and blood sugar levels. You are strongly advised to exercise with moderate intensity at least 30 minutes every day.

4. Do not smoke

Smoking can increase the risk of stroke and heart disease. Not only you who smoke, but the people around you who accidentally inhale cigarette smoke (passive smokers) will also be negatively affected.

5. Limit the amount of alcohol consumption

Consumption of alcoholic beverages in excess and continuously, can increase blood pressure, and damage the liver.

Men should not drink more than two drinks per day. While women are advised not to drink more than one glass of alcohol a day.

Why is it essential to maintain a healthy lifestyle? If you have committed and implemented the steps above, you are said to have the opportunity to have a higher life expectancy than people who did not do it.

People who do not adopt a healthy lifestyle have a higher risk of dying prematurely due to various diseases.

If you have done your best to carry out a healthy lifestyle, there is one more thing you need to prepare. One of them is a health insurance policy in the form of critical illness insurance.

Critical illness insurance just in case

Credits: Pixabay 

As the saying goes, "umbrella ready before it rains," you should also be on guard by preparing medical funds. The reason is, you will not know when a critical illness comes attacking.

This preparation step you can do by having a health insurance policy and critical illness insurance. What is the difference?

Perhaps many do not know that health insurance is not the same as critical illness insurance. Health insurance only covers the cost of care for policyholders, which is by the bill and insurance calculation.

Whereas critical illness insurance will provide cash at the same time when the policyholder is convicted of having a critical illness. These funds are given at the same time with the consideration that the patient must undergo treatment that usually lasts a long term.

Thus, sufferers become more flexible in arranging payments by the needs of the cost of care they live.

If you have dependents (such as children and parents) and have a family history of certain diseases, you should take into account the importance of this critical illness insurance.

Therefore, when you want to have insurance, also consider the type of critical illness insurance policy. This step will help you equip yourself and your family with the best protection.

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