Contrary to the images of starving waifs that conjure upon the mere mention of the words, €poorly nourished' or €health ridden', the younger lot in the more affluent countries such as India, are dealing with stringent health issues. These problems are a result of over consumption of high calorie fast food, lack of nutrients, sedentary lifestyle and an overly weak body, which is prone to a long list of diseases and ailments. Diseases such as heart attacks and cancer can occur at any part of life. With the increasing examples of youth in the age bracket of 20-30 years succumbing to malignant invasions and life threatening diseases, families are getting more concerned regarding the well being and good health conditions of their loved ones.

Premature deaths and diagnosis of diseases

Generally speaking, most young people are found to be healthy and fit to face any challenge that comes their way. Premature deaths and illnesses occur due to improper growth and development of body parts and functions. Heavy intake of tobacco, lack of physical activity and proper exercise, violent thought processes and other critical risks are few reasons for the premature deaths. Some of the most common health issues that affect the households of our younger generation are malnutrition, alcohol, mental diseases and depression due to undue stress and anxiety, digestive problems and poor metabolic functions. These conditions cause anxiety and can be troublesome for the family members. This may initiate a long drawn process of prescriptions, visits to pharmacies and doctor's chambers and in certain cases long periods of hospitalization also.

Taking care of hospital expenses with add on insurance benefits

The diagnosis of diseases which affect the nerves, renal functions, circulatory system or other body parts and functions, may necessitate immediate hospitalization and repeated visits to the pathologists and medical experts. Though the normal hospitalization policies aid caretakers by taking care of the hospital bills, the increasing volumes of incidental expenses connected with the lodging and boarding facilities of the patient's attendees, nursing bills and costs of commuting.

Under such circumstances, it becomes necessary to purchase hospital cash policy to supplement the other insurance benefits and cover these expenses. Some reputed health insurance companies provide daily hospital cash benefits of up to INR 1000-4000 per day of hospitalization for a maximum period of 45 days. This certainly goes a long way in alleviating the financial stress burdening family members and the loved ones. With double cash benefits for the ICU and other supplementary coverage, these plans are proving to be extremely beneficial in tackling the monetary implications of youth health concerns. Please make sure you read the policy wordings in detail before buying a suitable insurance plan.