28.02.2022 – 08:55
CLARK
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Frankfurt (ots)
Although Germany has one of the best healthcare systems in the world, there is a lack of education about rare diseases. If you suffer a heart attack or stroke, you get the best possible care – from the ambulance to the intensive care unit. However, if you complain about an unclear fever or whole-body pain, there is often a lack of contact persons. On the occasion of “Rare Disease Day”, the digital insurance manager CLARK draws attention to this important topic and explains financial protection against rare diseases. For those affected, this often means one less worry.
What is Rare Disease Day?
Rare Disease Day is a globally coordinated movement aimed at raising public awareness of rare diseases and their implications. Because they are not that rare: On average, five percent of all people have to struggle with a rare disease at least once in their life – more than 300 million people worldwide [2].
But what exactly is a rare disease? In the European Union, a disease is considered rare if it affects no more than 5 in 10,000 people [3]. More than 6,000 different rare diseases are known. Most of these are incurable. 72 percent of them are genetic, while others are due to infections, allergies, and other environmental causes.
Because the path to the right diagnosis is as long as it is nerve-wracking: on average, it takes six years for a rare disease to be correctly diagnosed [1]. The rarity makes extensive research difficult for both economic and medical reasons – and this lack of scientific knowledge delays diagnosis. Those affected often turn to self-help organizations or groups to talk about specialist recommendations, experiences with therapies and financial support [4]. For those affected, the additional financial burden and bureaucratic hurdles are a particular challenge.
One less worry: Protect against financial burdens in the event of an emergency
A rare disease can limit the ability to work in both the short and long term. One disability insurance makes sense in this case. The insurance experts at CLARK recommend securing 70 to 80 percent of your net income in order to be prepared for the future in an emergency and to be able to maintain your current standard of living. Incidentally, the insurance does not only take effect in the event of a complete loss of work, but also if the insured person can only perform 50 percent of his or her work for more than six months.
If it is no longer possible to take out disability insurance for health reasons, dread disease insurance is a good alternative. In their case, the health issues are less stringent compared to disability insurance. and insured persons are protected against serious and rare diseases by a one-off payment in an agreed amount. obtain.
In any case, a personal consultation makes sense. “Each employee has a very individual work and life situation that places different requirements on disability insurance or Dread Disease Insurance entails,” concludes the CLARK insurance experts.
[1] https://www.gesundheit.gv.at/krankheiten/seltene-krankheiten/wissenswertes
[2] https://www.rarediseaseday.org/what-is-rare-disease-day/
Press contact:
CLARK Press contact:
Catherine Peter
[email protected]
Original content by: CLARK, transmitted by news aktuell
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