Tax Planning

The Biggest Killers In India And How To Protect Against Them

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Some critical illnesses are a killer in India. They not only kill your spirit but also drain out your financial energy. They can be fatal not only in terms of physical life, but also financial and emotional life. There are some critical illnesses which put you under financial duress as you are rendered incapable to work and earn. Some are lifelong conditions that may not allow you to get back to work at any time in the future.


Which are these illnesses? Here, we list down the top critical illnesses that can cause serious financial disruption, apart from killing your spirit:


  • Kidney Failure Requiring Regular Dialysis

Our kidneys are supposed to filter waste products from our body. In kidney failure, the kidneys malfunction and are unable to process the waste generated by our bodies. Dialysis is a process using which waste and excess water from the blood is removed. It is used to artificially replace the lost kidney function. For patients with chronic kidney disease, this is a lifelong process which renders the patient incapable to work anymore. Most patients succumb to it after a long period of struggling with it, which causes a lot of financial difficulties.

  • Stroke Resulting In Permanent Symptoms

Blood clots forming in the brain causing certain functions to be impaired is called as a stroke. Stroke can result in partial blindness, paralysis of limbs etc. Any kind of stroke will require a lot of time to recover during which it will not be possible for the patient to contribute productively.

  • Cancer

Cancer is basically an abnormal growth of cells. If not diagnosed early, it may spread to all parts of the body. There are 100 types of cancer and recovery pace may depend on the kind of cancer and it’s severity. Also, the treatment involves chemotherapy which is expensive and can drain you out both physically and financially.

  • Burn Injuries

Burn injuries are classified on the surface area that is burnt along with the severity of the same. Third-degree burns are the most severe needing a longer time to recover and may also require cosmetic surgery. If the injury affects your vital organs like face, eyes etc , you may have to spend the rest of your life at home without earning any income.

  • Cardiac Arrest

When oxygen supply is blocked to the heart due to, mainly a clot in the arteries supplying oxygen-rich blood to the heart, the person suffers a cardiac arrest. As a consequence, the affected person may need to undergo an angioplasty or an open-heart surgery to unclog the arteries. The recovery process may take anywhere between a week to 6 months depending on the severity of the clot. 

  • Motor Neurone Disease

It is a neurological disorder affecting cells that control the muscles of the body leading to weakening of the muscles. It affects the locomotive and motion abilities of the patient and can affect his productivity adversely. Most patients end up in a vegetative state, unable to even discharge their normal functions.

  • Multiple Sclerosis

This disease disrupts the normal communication between all parts of the nervous system leading to various problems like lack of proper vision, muscle weakness, lack of co-ordination etc. It is generally an irreversible condition and the affected person can be rendered permanently unemployable.


A lot of people cover themselves with medical insurance, which only provides for hospitalization expenses when one is laid low by an illness. Equally important is the provision that you make for the loss of income and financial drain that you suffer during the recovery period. Cover yourself against these critical illnesses by buying a comprehensive term protection plan like Edelweiss Tokio Life – Total Secure+ which financially protects you from 35 critical illnesses as well as secures your family against the financial burden due to your untimely demise.

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