Young Indians ka Stroke 'Attack': Sabse Badi Insurance Ki Problem Samne Aayi!

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AuthorKavya Nair|Published at:
Young Indians ka Stroke 'Attack': Sabse Badi Insurance Ki Problem Samne Aayi!
Overview

Are bhai, suno! Yeh jo young Indians hain na, **20 se 45 saal** wale, inmein strokes ke cases ekdum se **2.3x** badh gaye hain. Aur sabse scary baat? Karib **74-79%** logon ke paas ya toh insurance hai hi nahi, ya phir na ke barabar hai. Matlab, bimaari ka attack aur upar se paise ka crisis, ek saath!

Dekho, baat badi serious hai. Indian youth mein stroke cases badhte jaa rahe hain, aur yeh sirf health issue nahi, balke paiso ka bhi bada game ban gaya hai.

Apollo Home Healthcare ki latest report bata rahi hai ki 2021 se 2025 ke beech mein 20 se 45 saal ke logon mein stroke ke incidents 2.3 guna badh gaye hain. Pehle yeh log total cases ka bas 12% hote the, ab yeh 17.8% ho gaye hain.

Aur iska kharcha kitna aata hai pata hai? Simple treatment aur recovery ka lagbhag ₹5 lakh se lekar ₹12 lakh tak ka kharcha aa jata hai. Ab jab 74-79% log insured hi nahi hain, toh bhai, jeb toh khaali honi hi hai.

Aur jo log sabse zyada kama rahe hain family ke liye, wohi agar stroke ka shikar ho gaye toh income ka flow ruk jaata hai. Matlab, bimari ke saath saath ghar mein paiso ki bhi badi dikkat aa jati hai.

Hospital mein recovery mein toh aur bhi zyada kharcha hai, lagbhag ₹15 lakh tak ja sakta hai aur 100+ din kaam se chutti. Lekin agar structured home rehab karein toh yeh kharcha ₹3-6.5 lakh mein ho jata hai aur kaam ke din bhi bachte hain. Isse total cost mein 40-55% tak ki saving ho jati hai.

Overall India mein health insurance ka scene bohot hi down hai. Sirf 14-18% log hi insured hain. Government schemes jaise Ayushman Bharat mein ₹5 lakh tak ka cover milta hai, jo aise bade bimariyon ke liye kabhi kabhi kam pad sakta hai. Critical illness insurance aa raha hai, par abhi bhi bahut logon ke paas proper cover nahi hai.

Is lack of insurance ki wajah se bahut se ghar toh barbad hone ki kagar par aa jate hain. Lagbhag har 4 mein se 3 young stroke patient ke liye medical expenses unke insurance se zyada ho jate hain. Jab ghar ka main kamaane wala girta hai, toh family poverty mein chali jaati hai.

Dekho, abhi insurance companies ke liye yeh ek mauka hai ki woh better policies layein, jisme high coverage ho aur long-term recovery support bhi mile. Digital records se risk assessment bhi better ho sakta hai. Par main problem toh low insurance penetration aur high out-of-pocket expenses ki hai, jisko solve karne ke liye industry aur government dono ko milkar kaam karna padega.

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