By using this site, you agree to the Privacy Policy and Terms of Use.
Accept
Health Works CollectiveHealth Works CollectiveHealth Works Collective
  • Health
    • Mental Health
    Health
    Healthcare organizations are operating on slimmer profit margins than ever. One report in August showed that they are even lower than the beginning of the…
    Show More
    Top News
    magnesium water can be good for your health but you can't have too much
    Is Drinking Magnesium Water Good for Your Health?
    October 17, 2023
    common misconseptions about brain injuries
    4 Common Myths and Misunderstandings About Brain Injuries
    February 5, 2023
    get a career in medical device sales
    What Are the Benefits of Attending Medical Sales College?
    April 10, 2023
    Latest News
    How Probate Planning Shapes the Future of Your Estate and Family Care
    July 17, 2025
    Beyond Nutrition: Everyday Foods That Support Whole-Body Health
    June 15, 2025
    The Wide-Ranging Benefits of Magnesium Supplements
    June 11, 2025
    The Best Home Remedies for Migraines
    June 5, 2025
  • Policy and Law
    • Global Healthcare
    • Medical Ethics
    Policy and Law
    Get the latest updates about Insurance policies and Laws in the Healthcare industry for different geographical locations.
    Show More
    Top News
    Elective Coronary Stenting: A Case in Context
    August 3, 2011
    PSA screening: Does It or Doesn’t It?
    March 16, 2012
    Rick Perry Needs To Make Up His Mind
    September 19, 2011
    Latest News
    How IT and Marketing Teams Can Collaborate to Protect Patient Trust
    July 17, 2025
    How Health Choices and Legal Actions Intersect After an Injury
    July 17, 2025
    How communities and healthcare providers can address slip and fall injuries with legal awareness
    July 17, 2025
    Let Your Lawyer Handle the Work Before You Pay Medical Costs
    July 6, 2025
  • Medical Innovations
  • News
  • Wellness
  • Tech
Search
© 2023 HealthWorks Collective. All Rights Reserved.
Reading: How Senior Citizens Can Prepare for Chronic Health Issues
Share
Notification Show More
Font ResizerAa
Health Works CollectiveHealth Works Collective
Font ResizerAa
Search
Follow US
  • About
  • Contact
  • Privacy
© 2023 HealthWorks Collective. All Rights Reserved.
Health Works Collective > Senior Care > How Senior Citizens Can Prepare for Chronic Health Issues
Senior Care

How Senior Citizens Can Prepare for Chronic Health Issues

Seniors are at a high risk of developing chronic health problems, so they need to take appropriate steps to prevent and prepare for them.

Anita Ginsburg
Anita Ginsburg
Share
8 Min Read
how seniors can prepare for the possibility of developing chronic health problems
Shutterstock Photo License - fizkes
SHARE

Chronic health problems are growing concerns that seniors are struggling with. People are living a lot older these days, which means that chronic health problems like skin cancer, diabetes and heart disease are becoming more prevalent among the older population.

Contents
Prevention Tips to Minimize the Risk of Future Health ProblemsGet Plenty of ExerciseMaintain an Active Social LifeFollow a Healthy DietFinancial Preparedness Tips to Prevent the Risk of Long-Term Health ProblemsCritical Illness Policy Vs Health Insurance PolicyWhy Do Senior Citizens Need a Critical Illness Policy?Benefits of Critical Illness Mediclaim for Senior CitizensComprehensive CoverageSecond Opinion and Health Check-UpExclusions Under Critical Insurance Policy

As an aging senior, you need to take all appropriate steps to protect against these concerns. In this article, we will cover both the prevention tips and financial preparedness strategies that you can take to deal with future chronic health problems.

Prevention Tips to Minimize the Risk of Future Health Problems

You will need to take all possible steps to prevent future health problems from arising. Here are some things that you will need to do.

Get Plenty of Exercise

Seniors need to stay as active as possible to mitigate the risk of health problems as they age. A growing body of research demonstrates the health benefits of regular exercise. For example. a 2018 study by Oslo Metropolitan University shows that exercising offers many benefits for cardiovascular health, reduces the risk of diabetes and even reduces the risk of falls by 21%.

More Read

Dementia causes
5 Ways to Improve the Quality of Life for a Parent Living With Dementia
5 Warning Signs of Deteriorating Health in Aging Adults
Best Ways to Protect Older Family Members This Winter
4 Benefits of Hiring a Caregiver as a Senior Citizen
Ideal Wellness Tips For Seniors To Live Healthy And Happy

The same goes for older adults with limited mobility who use a wheelchair or mobility scooter. Consider an adjustable mobility aid at MarcsMobility to feel comfy while performing chair exercises.

Maintain an Active Social Life

A good social life can also have a number of important health benefits. You will want to try to maintain a decent social circle to improve your overall mental well being. You should also try having a hobby, since this is important for senior health.

Follow a Healthy Diet

You will also want to also follow a healthy diet to reduce the risk of diabetes. Around 33% of people over 65 have diabetes, but your odds are a lot lower if you follow a good diet.

Financial Preparedness Tips to Prevent the Risk of Long-Term Health Problems

You can take a number of health tips to reduce the risk of developing long-term health problems. However, you may not be able to prevent all forms of chronic health issues, no matter how careful you are. You will need to make sure that you have the right insurance to assist you.

Cancer or heart disease can disrupt one’s life in more than one way. Especially for senior citizens who are already dealing with a lot of old age-related ailments, like a physically weak body. To protect your elders from chronic diseases like cancer, stroke, and paralysis, a critical illness plan is the most suitable mediclaim policy for senior citizens. Let us understand the utility of critical illness health insurance coverage for people aged over 60 years.

Critical Illness Policy Vs Health Insurance Policy

Contrary to the misbelief, your standard health insurance will only cover basic hospitalization expenses. A health insurance policy is useful to cover standard medical expenses due to specified illnesses, injuries, and ailments. It will not cover you for critical illnesses like paralysis, organ failure, cancer, and other prolonged diseases.

On the other hand, critical illness insurance covers serious and life-threatening illnesses, medical events and surgical procedures. The list of critical illnesses may differ from one insurance company to another. Generally, a critical plan covers 30+ conditions, including medical treatment for illnesses such as cancer, end-stage renal failure, paralysis or total blindness, etc.

Why Do Senior Citizens Need a Critical Illness Policy?

Critical illness insurance is recommended for senior citizens because:

  • Rising Healthcare Costs: The treatment cost of chronic and severe diseases has spiked manifolds in the last few years. Especially for senior citizens with limited income sources, hospitalisation expenses become unbearable.
  • Sole Bread Winners: If you are the only earning member of the family with dependent children, you ought to protect your life’s savings from chronic ailments. Along with sound financial investments, a good critical illness policy will be beneficial in the event of a life-threatening illness such as a major organ transplant, Alzheimer’s or Parkinson’s disease
  • Spike in Chronic Ailments: India has recorded a spike in deaths due to chronic ailments accounting for almost 53% of all deaths. Most of the cases turn fatal due to financial crunch and lack of proper critical illness coverage.

Benefits of Critical Illness Mediclaim for Senior Citizens

Comprehensive Coverage

Under a critical illness plan, the insurance company pays a lump sum amount up to the sum insured which can be utilised to pay for the treatment expenses of critical illnesses, including post-hospitalisation expenses. Alternatively, the lump sum payment can be availed for permanent total disablement or death by accident. For instance, Care Health Insurance offers a comprehensive critical illness policy covering individuals, families, and senior citizens against 32 critical illnesses. The insurer’s critical illness Mediclaim covers major pre and post-hospitalisation expenses including diagnostics and OPD to chemotherapy and dialysis procedures.

Second Opinion and Health Check-Up

Under your critical illness insurance policy, you can usually avail a second opinion for any medical advice that concerns surgery or extensive treatment. It will avoid unnecessary medical intervention and consequences resulting from the same. For instance, Care Health Insurance packs the feature of ‘International Second Opinion’ under its critical illness plan to help policyholders receive medical treatment advice from international experts.

Also, critical illness plans offer specialised annual health check-ups for insured members to keep track of their health and well-being.  Critical illness insurance benefits allow you to safeguard your health, without having to worry about the rising costs of healthcare. Instead, these expenses are borne by the insurance provider.

Exclusions Under Critical Insurance Policy

Although not uniform across the board, in general, critical illness insurance will not cover the following expenditures:

  • If a critical illness is developed due to drug intake, smoking, tobacco or alcohol consumption
  • HIV or other sexually transmitted diseases
  • Illness due to weapons, war, terrorism or biological attack
  • Treatment taken outside India
  • Treatment for conception or assistance in reproduction
  • Any acts of self-injury or suicide
  • Cosmetic surgeries and their associated treatment

Finally, do read the fine print carefully before deciding on the insurance product. This will ensure that you are fully aware of all the terms and conditions. Understanding the clauses will go a long way in ensuring peace of mind for yourself and your elderly parents.

TAGGED:chronic healthsenior health
Share This Article
Facebook Copy Link Print
Share

Stay Connected

1.5kFollowersLike
4.5kFollowersFollow
2.8kFollowersPin
136kSubscribersSubscribe

Latest News

Grounded Healing: A Natural Ally for Sustainable Healthcare Systems
How IT and Marketing Teams Can Collaborate to Protect Patient Trust
Global Healthcare Policy & Law
July 17, 2025
paramedics in surgical gloves and masks
How Health Choices and Legal Actions Intersect After an Injury
Health care
July 16, 2025
a woman giving a key
How Probate Planning Shapes the Future of Your Estate and Family Care
Health
July 16, 2025
a woman with kinesio tapes on her back arm
How communities and healthcare providers can address slip and fall injuries with legal awareness
Health care
July 16, 2025

You Might also Like

Senior CareTechnology

Gain Peace of Mind and More Independence With Medical Alert Systems

October 13, 2021
caring for a patient with dementia
Senior Care

3 Critical Tips for Caring for a Loved One with Dementia

November 17, 2020
elderly parents
Senior Care

Should Your Elderly Parent Be Living Alone? 6 Signs That They Need More Help

December 12, 2021
Senior CareTechnology

Seniors And Caregivers Are Utilizing Technology To Improve Quality Of Life

December 11, 2019
Subscribe
Subscribe to our newsletter to get our newest articles instantly!
Follow US
© 2008-2025 HealthWorks Collective. All Rights Reserved.
  • About
  • Contact
  • Privacy
Welcome Back!

Sign in to your account

Username or Email Address
Password

Lost your password?