5 Diseases for the Elderly

As time goes on, health is deteriorating and the elderly likely to have more diseases regardless of how good they take care of themselves. It is hard to avoid and if there is no plan, your savings will be affected. So, health or life insurance that have coverage as you wish will build your confidence in living, but in the meantime, we should be aware of diseases that we might get when we are older.  

Stroke

The elderly must be careful about stroke because blood veins are weakening causing lack of oxygen and blood to brain. So, there will be fat or plaque in blood vessel resulting in blocking blood flow to the brain. Patients might become paralysis. Symptoms are blurred vision, numbness on one side. The elderly who has hypertension, diabetes, obesity, heart disease, stress, no exercise, and smoking behavior are at high risk of having this disease.

🔖 Sikarin Hospital

Knee osteoarthritis 

Many people might think that this is just a joke, but it is not. Once you are getting older, your bone density is lower due to degeneration of articular cartilage, overweight, wrong posture of legs and knees which is commonly found in females more than males, knee injury, etc. Once the degeneration starts, it is not curable.

If you do not change behavior or receive correct treatment, the condition will get worse affecting your life because you will have joint pain and swelling, joint stiffness, abnormal bow legs, inability to straighten legs, knee deformity or bow legs.

🔖 Bangpakok 8 Hospital

Eye disease

Besides the knee degeneration, your vision will be poorer once getting older because eyes are weakening since age of 40 years old. Common eye diseases for the elderly are macular degeneration, cataract, glaucoma, etc.

• Macular degeneration: Blurred or distorted spot in the middle of vision.
• Cataract: Clump and cloudy on lens resulting in blurry or double vision and trouble with bright lights.
• Glaucoma: Due to damaged optic nerve; in case of acute angle-closure glaucoma, patients will have eye pain, blurry vision and colored halos around lights leading to blindness.

🔖 Bangkok Hospital

Diabetes

Diabetes is a top hit disease for the elderly, and it is a chronic disease that needs ongoing treatment, which might lead to have other complications. It is caused by pancreas that does not produce enough insulin. So, the body cannot use insulin as normal resulting in high blood sugar.

If patients do not receive treatment for a long time, blood vessels of organs will be affected leading to complications such as blurry eyes, blindness, diabetic nephropathy, numbness in fingertips, and easier infections. The disease might be caused by genetics, obesity, pregnancy, aging and some medicines.

🔖 World Medical Hospital

Kidney disease

As you get older, you might have this disease because kidney is smaller and deteriorating. Kidney will have lower ability to filter waste and water, and reduced protein stores. If the elderly has medical conditions such as hypertension, diabetes or insulin resistance, stress, etc, and excessively eats high protein, carbohydrate or fats, the disease will develop faster leading to chronic kidney failure. So, patients will need kidney dialysis and transplant. Moreover, kidney disease might cause cardiovascular diseases.

🔖 Bangkok Hospital

All diseases mentioned above are caused by weakening body as time passes. So, you should start taking care of your health to reduce risk of having the diseases. Moreover, you can be more confidence with unit-linked life insurance that you do not have to worry about premium when you get older because it has fixed premium throughout the contract regardless of health rider attachment(1). uDesign unit-linked life insurance is flexible for you to design as wish and provides higher coverage

• Fixed premium throughout the contract regardless of health rider attachment(1).
• Same premium amount, but higher life coverage(2).
• Cover COVID-19, emerging diseases, critical illnesses and common diseases; and coverage is provided until the age of 99(3).
• Flexible insurance for making a top-up or withdrawal, or activating premium holiday during the contract.
• Chance to receive better return from investment in quality mutual funds.

For more information

☑️ Tel. 1766, 24/7

☑️ Contact life insurance agents or branches of Kasikornbank, and Land and Houses Bank

Remarks:

(1) Riders that cost of insurance is deducted from investment value.

(2) High coverage depends on age, gender, health and return from investment once comparing Muang Thai Unit-linked 1 (Regular Premium) with Muang Thai Smart Protection 99/20.

(3) High coverage depends on age, gender, health and return from investment once comparing Muang Thai Unit-linked 1 (Regular Premium) with Muang Thai Smart Protection 99/20.

• Coverage period depends on premium payment period, investment return rate and partial investment withdrawal.
• Premium (excluding investments) of this insurance is eligible for personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 172 and 383.
• Volatile investment market, premium holiday and partial investment withdrawal might lower entitled benefits and coverage.
• Coverage conditions are as specified in the insurance policy.
• Underwriting is subject to the Company’s rules.
• uDesign Campaign is a marketing name of Muang Thai Unit-linked Campaign.
• Conditions are subject to the medical practice guidelines, diagnosis, treatment and prevention of infection in a hospital in case of COVID-19 according to the announcement dated 2 November 2021, and guidelines for medical personnel for providing home isolation recommendations and service management for COVID-19 patients (revised version) dated 4 January 2022, or in accordance with the latest announcement.
• Conditions are subject to the medical standards and necessity.
• Please study the details of coverage, conditions and exclusions before making a decision to purchase insurance.