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Stem cells can be termed as the cellular base of human anatomy with a capacity to develop into different cell types in the body, like the brain cell or muscle cell. While this process of division takes place naturally within the body, modern science has perfected the replication of a similar cell division under laboratory conditions as well.
The process of using stem cells for healthy and specialised cell culture in the laboratory has opened up several possibilities when it comes to treating severe illnesses that can result in cell damage or deterioration. Doctors today can thus replace damaged cells in the human body with these healthy lab-cultured cells, benefiting an early overall recuperation. This procedure is thus medically termed as stem cell treatment.
Such procedures can be immensely costly, bringing the need for external financing via the likes of health cards. You must, therefore, check health card eligibility and apply online before opting for these therapies. Before going to that further, here is a bit more about stem cell treatment to help you understand them better.
- Stem cell therapy – Still in its developmental stages
Although the potential of treatment via this new-age technique is immense, at present, stem cell therapy’s real-world application is limited in its scope. The most common cases where stem cell therapy is widely applied today are in bone marrow transplant required mostly in immunity or blood disorders treatments.
Bone marrow transplant using stem cell therapy is also highly useful when recovering from certain types of cancers, such as leukaemia. Nevertheless, given the advanced technology involved in these procedures, the treatments are cost-intensive.
Thus, if you meet Bajaj Finserv’s health card eligibility, you can use the card to defer the immediate financial burden of such expensive therapies to a later date.
- Stem cell purpose differs based on the region it comes from
Another reason why stem cell treatment is considered a complicated procedure is because not all stem cells are identical. These cells can differ greatly based on the part of the body they originate from. For example, stem cells within your bone marrow can give rise to healthy blood cells, but brain stem cells can only create brain cells and not blood cells. Medical practitioners are thus still learning about the specific capabilities of stem cells.
- Transplantation with your own body’s stem cell also carries risks
While most individuals believe that transplanting another individual’s stem cells into one’s body is risky, a similar risk is also present when the stem cells transplanted originate from a patient’s body. During the laboratory culture of such cells, a lack of controlled environment may infect these cells, leading to a severe immunological response after the therapy.
Additionally, artificial interference can alter the normal growth of these cells, which in turn may lead to complications after transplants.
A Bajaj Finserv Digital Health EMI Network Card can help you afford the necessary emergency treatment should things complicate during or after the stem cell therapy. Simply make sure that you qualify the health card eligibility to avail essential funding in time.
Cost of stem cell treatment in India
Since this form of therapy is still in its experimental stages, undergoing the same can be challenging. Only a handful of clinics and hospitals are equipped to handle the unique necessities of such treatments. Moreover, the cost is immense. For example, undergoing stem cell treatment at private institutions may cost you anywhere between Rs.10 lakh and Rs.20 lakh.
The expense is much more reasonable at government hospitals with the therapy budgets ranging between Rs.3 lakh and Rs.6 lakh. A health card can thus be a suitable financial tool to fund these treatments without straining your finances.
Advantages of a health card
The following health card benefits further make it a useful funding tool for preventive and diagnostic medical care across 800+ treatments –
- Affordable availability
You can avail such a card by paying a nominal joining fee of just Rs.589. Therefore, in your time of medical need, the health card does not become an added liability. Instead, it proves itself an asset worth investing in, which can help you fund emergency medical treatments with ease. Also, the insta variant of this card is available against a one-time fee payment of Rs.707.
- Up to 24 EMIs for financing repayment
You can convert your immediate medical liabilities into monthly instalments with the help of a Health EMI Network Card. Moreover, you can choose a tenor of up to 24 months for this repayment. This substantial period can be sufficient to clear high-cost bills without putting unnecessary strain on your finances.
- Zero documentation
Applicants can avail these cards with almost no hassles involved. Simply fulfil minimum health card eligibility and apply for the same online. Existing EMI Network customers of Bajaj Finserv do not even need to furnish any document when opting for this card. This convenient procedure simplifies the process of card application further, especially during medical emergencies, when you cannot spare time to complete such formalities.
The availability of 5,500 plus network healthcare facilities across over 1,000 Indian cities only makes availing treatments convenient.
Before you apply for a health card, check the pre-sanctioned limit on the same, as this will indicate the extent of financial support you can expect from the card during your time of need. Usually, these cards come with a maximum funding limit of up to Rs.4 lakh.
