Critical illness is a major public health issue in Indonesia. It can affect anyone, at any age. Understanding critical illnesses is important for prevention and early detection. Here are 5 common critical illnesses in Indonesia:
5 Dangerous Critical Illnesses in Indonesia
1. Stroke
A stroke occurs when the blood supply to the brain is disrupted, causing damage to areas that do not receive enough oxygen. This condition can lead to paralysis, speech impairments, memory loss, and difficulties with daily activities. The recovery process from a stroke often takes a considerable amount of time.
2. Heart Disease
Heart disease includes a variety of health issues related to the heart, a vital organ responsible for pumping blood throughout the body. Heart problems pose serious risks to an individual’s health and quality of life and can even be life-threatening. Heart attacks are among the leading causes of death in Indonesia, accounting for 14.38% of total fatalities.
3. Diabetes
Diabetes is a condition that arises when the body cannot regulate blood sugar levels effectively. If left untreated, diabetes can lead to slow wound healing, severe complications in multiple organs, and the need for intensive medical care.
4. Cancer
Cancer occurs when cells in the body grow uncontrollably and do not stop developing. This makes it a dangerous disease, as it can spread to other organs, damage body tissues, and disrupt bodily functions. In Indonesia, cancer incidence is reported at 136 cases per 100,000 people, ranking the country 8th in Southeast Asia for cancer prevalence.
5. Kidney Failure
Kidney failure happens when the kidneys are unable to filter waste from the blood, resulting in the accumulation of toxins in the body. This condition often requires intensive treatments such as dialysis, which can significantly disrupt daily life. One common yet overlooked cause of kidney failure is the habit of not drinking enough water.
Why Is It Important to Be Aware of Critical Illness?
Critical illnesses don’t just impact your health. They can also have a significant financial toll on your life. Prolonged and intensive treatments often cost hundreds of millions, even billions, of rupiah. A deteriorating physical condition can reduce productivity, limit daily activities, and even prevent someone from working or running a business to earn a living.
That’s why having financial protection is crucial. It can help cover the high costs of treatment for critical illnesses, giving you and your family peace of mind during difficult times.
Insurance for Best Protection
BCA, in collaboration with BCA Life, offers Safety Guard Critical Cover (STAR), an annual health insurance plan that provides coverage for critical illnesses and life protection. Here are some of the benefits of this insurance:
- Coverage for 135 Critical Illnesses and Life Conditions, including 77 Major Critical Illnesses and 58 Minor Critical Illnesses.
- Minor Critical Illness Diagnosis Benefit: Up to 2 claims for different Minor Critical Illnesses, with payouts of 25% of the Sum Assured per claim.
- Angioplasty Surgery Benefit: 25% of the Sum Assured, with a maximum of IDR250 million.
- ICU Care Benefit: 50% of the Sum Assured, with a maximum of IDR250 million.
- No Claim Bonus: 100% premium refund if no claims are made within 10 years.
For further information, contact a BCA Life Financial Advisor at your nearest BCA branch. Don’t wait until it’s too late. Ensure that you, your friends, and your family are protected from the financial risks associated with critical illnesses!