22.02.2021 – 07:35
The international “Rare Disease Day” takes place every year on the last day of February. The main purpose of this special day is to make the public aware of rare diseases and their impact on the lives of patients. Education about rare diseases is more important than many people think: on average, five percent of all people have to deal with a rare disease at least once in their lives. This means that more than 300 million people worldwide live with a rare disease , The digital insurance manager CLARK provides tips on financial protection against rare cases of illness.
Although Germany may fall back on one of the best health systems in the world, there is a shortage of education on rare diseases. When a German has a heart attack or a stroke, he receives the best possible care – from ambulances to intensive care units. However, if he complains of an unexplained fever or unexplained pain in the whole body, there is often a shortage of contacts.
Fact check: what exactly is a rare disease?
According to the European Journal of Human Genetics, a disease is classified as rare if it affects less than 1 person in 2000 , 6000 different rare diseases are recognized worldwide. 72 percent of these rare diseases are genetic, while others are due to infections, allergies and other environmental causes. The lack of scientific knowledge about the disease often leads to a delay in diagnosis. Furthermore, misdiagnosis makes the course of rare diseases more difficult. This often leads to high social and financial burdens for the patient.
Financial burdens well avoided
But what exactly can an insurance policy prevent? A rare disease can limit the ability to work in both the short and long term. In this case, employment insurance makes sense. The insurance experts at CLARK advise you to cover 70 to 80 percent of your net income in order to be prepared for the future even in emergencies and to maintain your current standard of living. In fact, the insurance not only takes effect in the event of complete loss of employment, but also if the insured can perform only 50 percent of his work for more than six months.
If, for health reasons, it is no longer possible to take out occupational disability insurance, anxiety insurance is a good alternative because the health problems are less severe compared to occupational disability insurance. A terrible health insurance is a protection against serious and rare diseases, in which the customer receives a one-time payment in the agreed amount.
A good first overview of the topic of rare cases of illness and disability is provided by advisory articles on the web, which often also offer the opportunity to compare the costs of different insurance policies online. But that does not replace personal advice: “Every employee has a very individual work and life situation that has different requirements for work insurance or fear of health insurance,” the CLARK insurance experts conclude.
 Research recently published in the European Journal of Human Genetics, article written by EURORDIS-Rare Diseases Europe, Orphanet & Orphanet Ireland “Estimating Cumulative Point Prevalence of Rare Diseases: Orphanet Database Analysis”. The analysis refers to rare genetic diseases and is therefore conservative because they do not include rare cancers or rare diseases caused by rare bacterial or viral infectious diseases or poisoning. https://go.nature.com/2M8K1ls
Original content by: CLARK, sent by current news