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Know the Importance to Protect Yourself From Hepatitis on World Hepatitis Day

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October 04, 2018
Hepatitis is an inflammatory condition of the liver, and is generally caused by a viral infection. However, it is also possible to contract it from the abuse of certain drugs, medicines, toxins, and alcohol. Autoimmune hepatitis is another possibility that occurs when your body produces antibodies against your liver tissue. Sometimes, hepatitis can progress to fibrosis, cirrhosis, or liver cancer. Fibrosis is the scarring of tissues. In the case of cirrhosis, the scar tissue replaces the healthy tissues in your liver.

There are five major types of hepatitis viruses: A, B, C, D, and E. Each virus comes from a different source and produces different symptoms in the body. Hepatitis B, C, and D are chronic, while A and E are acute and short-term.

Each year, around 1 million Indians are at risk of contracting Hepatitis B .A 2014 report by National Centre for Disease Control said that about 1 lac of them die from the infection
The report also said that around 1% of India's population is expected to be infected with HCV. More than 15 million people across the world suffer from HBV and HDV.

The medicine for hepatitis B - 'Entecavir' - is currently the most expensive medicine in the world. But the patent on it expired in February 2015. Hence, India can now mass-produce this drug at Rs. 2,200 for an entire year's course. That said, the bill could still run up, given the long treatment period. There could also be surgeries and hospitalization costs in case of complications, which could become quite expensive.

Health insurance covers can help patients deal with the financial burden that comes with this disease.

Medicines for treating hepatitis are generally expensive, so there are certain conditions patients may have to meet for health insurance to cover them.
If you buy health insurance plan, along with a critical illness rider (that covers hepatitis), and are later diagnosed with this disease, you could be eligible for the predetermined pay-out stated in your plan.

In some cases, only cost of medication is covered by insurance.
On the other hand, buying health insurance after being diagnosed with hepatitis could result in two outcomes- you will either have to pay higher premiums or could be denied coverage from the insurer. 

HDFC Life has a lot of health insurance plans to help you cover your medical expenses as per your needs.

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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