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The High Costs of Struggling with a Chronic Disease

Dealing with an illness is always a challenge for the patient and their loved ones. And, when you’re diagnosed with a chronic condition, you not only have to find ways to keep symptoms under control, but also find ways to handle the high costs of ongoing treatment. Here is important information for you to consider.

What are chronic diseases?

Chronic, non-communicable diseases are long-term health conditions not primarily caused by infections. These require ongoing treatment and can have significant health consequences. These include:

Cardiovascular disease


Chronic respiratory diseases


The prevalence of these diseases is increasing. In the United States, approximately 50% of the population suffers from some chronic disease. Globally, they account for more than 70% of annual causes of death.

Chronic diseases represent a high risk to your finances

Chronic diseases generate high costs for both healthcare systems and the individuals affected. These costs include direct medical expenses, such as consultations, examinations and medications, as well as lost income due to physical incapacity and time spent on treatment. According to a 2022 study published by the American Medical Association:

Person without chronic illness

Person with chronic illness

Likelihood of incurring medical debt


Likelihood of having a low credit score



How to best cope with chronic illness?

From a medical standpoint, chronic illnesses require constant, specialized care to stabilize the condition and prevent further damage. From a financial point of view, medical expenses can be catastrophic for family finances.

International health insurance plans are a smart precaution against such a scenario. Not only do they offer extensive medical coverage, but they also provide access to top international medical centers.

To ensure you have the best support in the event of a chronic illness in the future, we recommend our Optimum VIP plan. This specialized chronic disease plan includes*:

* The pre-existing medical conditions that are disclosed in the Application may receive coverage. Pre-existing conditions that were not declared will not be covered, and omission of declaration may lead to the modification, rescission or cancellation of the policy.

For more information, visit our “Plans” section or consult with your insurance agent.

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