Lifestyle diseases and insurance coverage

Know about the common lifestyle diseases in India and how health insurance can provide financial coverage against these diseases.
Lifestyle diseases and insurance coverage
3 mins

In recent years, India has seen a surge in the diagnosis of lifestyle diseases, such as hypertension, diabetes, and obesity. This trend is primarily due to rapid urbanisation, unhealthy diet, sedentary lifestyle, and stress. With lifestyle disorders on the rise, it is essential to understand the causes, prevention, and how health insurance can protect you from the steep financial expenses associated with these conditions.

What are lifestyle diseases?

Lifestyle diseases refer to health conditions that are mainly caused by unhealthy lifestyle choices. These conditions are widely preventable and manageable with lifestyle modifications and timely medical intervention. You can safeguard yourself from unforeseen medical expenses by purchasing the best health insurance policies online.

Lifestyle diseases in India

India has the highest number of people suffering from diabetes worldwide, with an estimated 77 million people diagnosed with the condition. The country also has a high prevalence of obesity. The rise in lifestyle disorders is in part due to the shift from traditional lifestyles to more modern ones.

Which are the most common lifestyle diseases?

The most common lifestyle diseases in India include:

  • Type 2 diabetes: It is a metabolic disorder characterised by high blood sugar levels. Over time, diabetes can lead to complications such as heart disease, stroke, kidney failure, etc.

  • Hypertension: Also known as high blood pressure, this condition can cause damage to the arteries and lead to heart disease, stroke, and kidney damage.

  • Obesity: Being overweight can lead to other lifestyle diseases such as diabetes, hypertension, and heart disease.

  • High cholesterol: When the levels of cholesterol in the blood are excessive, it can lead to blockages in the arteries that can lead to heart attacks and strokes.

  • Heart disease: A group of conditions that affect the heart, including hypertension, high cholesterol, and diabetes, can increase the risk of heart disease.

  • Cancer: Unhealthy lifestyle choices such as smoking, excessive alcohol consumption, and poor diet can increase the risk of cancer.
  • Chronic respiratory diseases: Diseases, such as asthma and COPD, are long-term conditions that affect the lungs. These diseases can lead to difficulty in breathing, wheezing, and shortness of breath.

Causes of lifestyle diseases

  • Poor diet: Unhealthy diet consumption is a significant contributor to lifestyle diseases. Consuming excessive amounts of saturated and trans-fat, sodium, and sugar can lead to obesity, cardiovascular diseases, diabetes, and hypertension.

  • Physical inactivity: Lack of physical activity can lead to weight gain, resulting in conditions such as obesity and other heart diseases.

  • Smoking and alcohol consumption: Both contribute to chronic diseases, such as lung cancer, heart disease, liver damage, and high blood pressure.

  • Stress: Chronic stress leads to an increase in cortisol production, which affects the body's metabolism, leading to weight gain and related diseases.

  • Age: The ageing process is unavoidable, and it causes a decline in healthy living.

  • Genetics: Some diseases such as cardiovascular disease, diabetes, and certain cancers are inherited and cannot be prevented by healthy lifestyle habits alone.

Significance of health insurance for lifestyle diseases

In India, lifestyle diseases require extensive medical care, which can be expensive and beyond the reach of most people. Health insurance can protect you from the financial burden of lifestyle diseases and provide access to the best healthcare facilities without worrying about the cost.

It can cover the costs of hospitalisation, surgeries, diagnostics, and medication. With the right insurance policy, you can ensure timely medical intervention and minimise the risk of complications from lifestyle diseases.

Lifestyle diseases in India are on the rise, but the good news is that they are preventable and manageable with lifestyle modifications and timely medical intervention. Lifestyle changes such as healthy eating, regular exercise, managing stress, and quitting smoking can significantly lower the risk of lifestyle disorders.

Health insurance can help protect against the steep financial expenses associated with lifestyle diseases and provide timely medical support through medical expenses reimbursement to manage the condition.

Frequently asked questions

What are lifestyle diseases?

Lifestyle diseases are conditions caused by unhealthy lifestyle choices, such as poor diet, lack of exercise, and smoking. These diseases are largely preventable with lifestyle changes.

What are some examples of lifestyle diseases?

Examples of lifestyle diseases include type 2 diabetes, high blood pressure, heart disease, obesity, and certain forms of cancer. These conditions are often associated with unhealthy diet and lifestyle choices.

How can lifestyle diseases be prevented?

You can prevent lifestyle diseases with certain lifestyle changes such as:

  1. Adopting a healthy diet
  2. Increasing physical activity
  3. Quitting smoking
  4. Reducing alcohol intake
  5. Managing stress levels
Why is prevention and management of lifestyle diseases important?

The prevention and management of lifestyle diseases are important because these conditions can have a significant impact on the quality of life and can lead to serious complications. These conditions can also be costly to manage, both financially and in terms of the individual's time and energy.

Show More Show Less


Insurance is the subject matter of solicitation. *T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third-party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third-party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.