Diseases don’t go away in a short time. Some diseases are curable; some take time to get cured of. If asked, which is the most prolonging disease you can think of? What would be your answer?
Maybe cancer, or tuberculosis, or even paralysis. There are so many worrisome, prolonging diseases out there which if contacted, can turn our world upside down.
It’s hard for the patient, but also for the family members. Stress, anxiety, time, prayers, all these are non-tangible facets of facing a prolonged disease. A tangible requirement needed is cash. Only cash can set the treatment rolling.
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Medical Loan in India
Majority of us salaried individuals in India do not receive a medical insurance from their employers. Many of us don’t feel the need to get medically insured at an age where we feel we are hale and hearty. What’s the point of medical insurance? Many of us think, “Why should we spend a part of our monthly savings on a medical insurance?” That cash can be spent elsewhere.
When going for a medical insurance, the applicant’s age, health history, past diseases and present medical condition is taken into account. That does not happen for a medical personal Loan. Another issue cropping up is the extent of coverage offered for terminal illnesses such as cancer. Midway through the treatment, the medical insurance cover could run out.
Many of us are salaried and have never given a serious thought to medical expenses or an emergency fund. We know life is unpredictable, there are highs and lows. High is when we see our career and personal life get a green day, and low is when we are struck with ailment or an accident that hampers our chances of reaching our life’s goals.
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A financial cocoon is therefore needed in order to help us get out of tricky medical emergency situations. A medical loan falls under the category of a personal loan. They can be availed for obvious medical contingencies such as health scares, medical needs, surgery procedures, therapy or any other grave health concerns.
Being an unsecured type of loan makes a medical loan apt for emergency situations. Not everyone can afford a really solid health insurance plan which will protect you from all possible medical uncertainties. Medical expenses may include anything from medical prescription bills to hospitalization bills.
A work hard, party harder lifestyle might seem full of bliss, but a sudden health scare can knock your carefree attitude into oblivion. We all are working so hard in our professional lives trying to reach new heights in our career. We are working non-stop, looking at different opportunities in life where we can excel and do our best. We are engrossed in so much that is happening in our lives, that we turn a blind eye towards health – both ours and that of our loved ones.
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10 Prolonged Diseases That Need A Loan
Our list is not a list based on any criteria of costing, severity of the disease or the duration of the illness. Let’s get on with it then…
- Stroke
A stroke is a medical condition that occurs when an artery in the brain leaks or gets blocked. This deprives the brain cells of oxygen, which then begin dying. When affected by a stroke, there is sudden confusion and numbness while seeing or walking. If left untreated, a stroke can lead to long-term disability.
An affected individual must receive treatment within 3 hours of suffering the stroke to prevent any long-term disability. The risk factors for stroke include a family history of stroke sufferers, if the individual is suffering from high blood pressure or excessive smoking.
Some of these risk factors can be reduced by taking proper medication and tweaking your lifestyle. A low in sodium diet helps as well.
- Coronary Artery Disease
Also known as the ‘Ischemic’ Heart Disease, a coronary artery disease occurs when the blood vessels that supply blood to the heart becomes narrow. Untreated coronary artery disease can lead to heart failure, arrhythmias and chest pain.
Better public health and proper access to health care has now made the prevention of this disease much easier. High blood pressure, smoking, high cholesterol, a family history of coronary artery disease, diabetes and being overweight are some of the risk factors for coronary artery disease.
Exercising regularly, maintaining a ‘fruit and vegetable’ filled healthy diet can help prevent a coronary artery disease.
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- Respiratory Infections
An infection in your airways or lungs can be caused due to pneumonia, bronchitis, flu, influenza or tuberculosis. They can be caused by bacteria or a virus. The main symptom of respiratory infection is excessive coughing. You could also feel wheezing, breathlessness and tight feeling in your chest.
Untreated respiratory infections can lead to failure in breathing and even death. The risk factors for respiratory infections to occur include flu, poor air quality, exposure to lung irritants, weak immune system, asthma and HIV.
A good preventive measure for respiratory infections can be a flu shot that needs to be taken each year. Wash your hands regularly with soap and water to prevent the transmission of bacteria.
- COPD
A chronic obstructive pulmonary disease (COPD) is a long-term progressive lung disease. It makes breathing difficult. Emphysema and Chronic Bronchitis are two types of COPD. Risk factors for this include lung irritants such as chemical fumes, smoking or second-hand smoke inhalation, family history or history of respiratory infections as a child.
Although there is no cure for COPD, its progression can be slowed down with medication. Immediate medical treatment to COPD can help you improve faster.
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- Diabetes
Diabetes is a group of diseases that affect the production and use of insulin in our body. For type 1 diabetes, the pancreas cannot produce insulin. A type 2 diabetes patient also does not produce enough insulin but is compounded also due to lack of exercise, high blood pressure, increase in age, poor diet and being overweight.
Diabetes can be controlled by exercising regularly and maintaining good nutrition. Add more fiber to your diet which will help control the lever of sugar in the blood.
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- Alzheimer’s
Alzheimer’s disease or dementia, leads to a loss in memory. It is a progressive disease that destroys memory and interrupts the normal mental functions such as typical behavior, reasoning and thinking.
The disease starts by causing memory problems, slip in recollection and difficulty in recalling information. As time goes, you might lose your memory over an extended period of time. It’s risk factors include being older than the age of 65, a family history of Alzheimer sufferer, inheriting genes for the disease from parents, existing mild cognitive impairment, unhealthy lifestyle, down syndrome, prior head trauma etc.
Prevention can be achieved by implementing a heart-healthy diet which is high on vegetables, fruits and low in saturated fats from dairy and meat. A good source of olive oil, nuts, fats and lean fish helps as well.
- Tuberculosis
Tuberculosis or TB is a lung condition that is caused by the bacteria ‘Mycobacterium tuberculosis’. It is a treatable airborne virus but is one of the main reasons for death in HIV patients. It’s risk factors include HIV infection, lower body weight, diabetes and proximity to other TB patients.
The prevention is actually the partaking of the Bacillus Calmette-Guerin (BCG) vaccine. It is commonly given to children. If you feel you have been exposed to the TB bacteria, start taking immediate treatment, starting with Chemoprophylaxis, which helps reduce the development of the tuberculosis condition.
- Cirrhosis
Cirrhosis is a condition that arises due to a long-term damage to the liver. The damage that is caused may be a result of a kidney disease. Cirrhosis is caused due to conditions such as chronic alcoholism and hepatitis. The purpose of a healthy liver is to filter out harmful substances from the blood and send the healthy blood through the body. Scar tissue is formed with constant damage to the liver. With more tissues being formed, the liver then has to work harder to function properly.
Its risk factors include fat accumulation around the liver, chronic alcohol usage, viral hepatitis etc. Prevention can be achieved by avoiding alcohol, maintaining a healthy diet which is rich in vegetables and fruits, but low on sugar and fat.
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Medical Loan at Loan Singh
The unsecured aspect of a medical loan in itself makes it a potent financial solution in dire straits. Suppose you remove the offline paperwork, delayed verification, repeated trips to the bank and delayed approval, from the medical loan availing process.
And then you turn the process online, with only 3 documents (to be uploaded), an approximately 10-minute application process and doing all this from the confines of home. These features, my friends, make an online medical loan even faster to avail.
An online medical personal loan is a fantastic option during times of medical duress. Sometimes, your savings might not cover an expensive medical procedure or a prolonged treatment. You might sometimes need to supplement your emergency fund with a shot of cash from other sources.
You might sell your hard-earned property or break some investments, and if all this does not work, then you might think about applying for an online medical personal loan. It is true that a number of traditional lending institutions provide medical loans. But, isn’t an emergency medical loan synonymous with quick, instant and less paperwork?
The doctors might need you to pay the cash up-front or pay each day as the treatment goes. In such cases, applying for a medical loan through manual applications and waiting for a long overdue approval makes no sense.
In India, health insurance is definitely popular, compared to an online medical loan. This is simply because we have fit this point inside our mind, that a medical insurance is actually cheaper, but that is not the case. A medical loan can be availed and then paid to a doctor/medical institution upfront. This obviously makes a medical loan scalable for a number of health ailments.
So, what’s the best source of emergency medical funds during accidents? How can you pay the doctor’s fee towards lengthy treatment? How to apply for an instant medical loan? Are there any online medical loan providers in India? The answer to these questions is…Loan Singh.
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Medical Loan Eligibility
The eligibility criteria for an online medical loan with Loan Singh are:
- Salaried (receiving a monthly salary directly into your bank account)
- Indian and above 21 years of age
- A credit-worthy repayment history
- No collateral needed
Benefits of Online Medical Loan
The benefits of applying for an online medical personal loan are the same as that of applying for an unsecured personal loan online. And because you can apply for it online, you have the freedom for applying for it from the confines of your home, hospital lobby, outside the doctor’s consultation room or the operation theatre. Its benefits include:
- A medical loan is affordable
- You get an instant loan pre-approval
- There is no security deposit
- There is no collateral involved
- You pay easy EMI repayments
- The application process is fully online
About Loan Singh
Loan Singh is a digital lending platform that prides in providing online personal finance loan or unsecured personal loan to salaried individuals. You can apply for quick funds as an easy emergency loan which is not a bank loan. We provide a loan with the best personal loan interest rates. The instant funds, or instant loans, are loans between Rs. 50,000 and Rs.10,00,000 taken for purposes such as:
- Home renovation loan
- Marriage loans
- Wedding loan
- Medical loan
- Used Car loan
- Consumer durable loan
- Vacation loan
- Debt consolidation loan
- Credit card refinancing loan
- Job relocation loan
- Smartphone loan
- Travel loan
- Festival loans
- Gold jewelry loan
- Shopping loan
- Lifestyle loan
- Short term loans
You can calculate your easy EMIs using our personal loan EMI calculator. We accept bank statement and PAN, for quick loan approval. A bad credit score or credit report errors can lead to personal loan rejection. The ‘Loan Singh Finance Blog’ is one of the best finance blogs in India. Loan Singh is a product of Seynse Technologies Pvt Ltd, which is one of the pioneering personal loan companies in India and is a partner to the Airtel Online Store.
Loan Singh’s Online Presence
Loan Singh is not an anonymous digital platform. We are present on almost all leading social media platforms. All you need to do is look for us. You can find us on Loan Singh Facebook, Loan Singh Twitter, Loan Singh Google+, Loan Singh YouTube, Loan Singh Pinterest, Loan Singh Instagram, Loan Singh LinkedIn, Loan Singh Blogarama, Loan Singh Google Business, Loan Singh Bank Bazaar, Loan Singh Medium, Loan Singh Reddit, Loan Singh Tumblr, Loan Singh Scoop It, Loan Singh Feed, Loan Singh Storify, Loan Singh Digg, and Loan Singh Blogger.
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