In India, Alzheimer’s and dementia are covered by insurance through various policies and schemes. Here’s an overview:

Health Insurance: Many health insurance policies in India cover Alzheimer’s and dementia, including:

1. Individual Health Insurance Policies: Some insurance companies offer coverage for Alzheimer’s and dementia as part of their individual health insurance policies.
2. Senior Citizen Health Insurance: Specialized senior citizen health insurance policies often cover age-related diseases, including Alzheimer’s and dementia.
3. Critical Illness Insurance: Critical illness insurance policies may cover Alzheimer’s and dementia, providing a lump sum payment to help with treatment and care.

Government-Sponsored Schemes: The Indian government offers several schemes to support individuals with Alzheimer’s and dementia, including:

1. Rashtriya Swasthya Bima Yojana (RSBY): A health insurance scheme for below-poverty-line families, which covers hospitalization expenses, including those related to Alzheimer’s and dementia.
2. Ayushman Bharat: A national health protection scheme that provides coverage for secondary and tertiary care hospitalization, including treatment for Alzheimer’s and dementia.
3. National Programme for the Healthcare of the Elderly (NPHCE): A program that provides health care services, including diagnosis, treatment, and care, for elderly individuals with Alzheimer’s and dementia.

Private Insurance Companies: Several private insurance companies in India offer policies that cover Alzheimer’s and dementia, including:

1. ICICI Lombard: Offers a comprehensive health insurance policy that covers Alzheimer’s and dementia.
2. Bajaj Allianz: Provides coverage for Alzheimer’s and dementia through its health insurance policies.
3. Max Bupa: Offers a senior citizen health insurance policy that covers age-related diseases, including Alzheimer’s and dementia.
4. Apollo Munich: Provides coverage for Alzheimer’s and dementia through its health insurance policies.
5. Star Health: Offers a senior citizen health insurance policy that covers age-related diseases, including Alzheimer’s and dementia.

Limits and Exclusions: While many insurance policies cover Alzheimer’s and dementia, there may be limits and exclusions, such as:

1. Waiting Period: A waiting period may apply before coverage kicks in.
2. Sub-Limits: Sub-limits may apply for specific treatments or expenses.
3. Exclusions: Certain expenses, such as long-term care or home care, may be excluded from coverage.
4. Pre-Existing Conditions: Pre-existing conditions, including Alzheimer’s and dementia, may be excluded from coverage or subject to a waiting period.

It’s essential to review policy terms and conditions carefully and consult with an insurance expert to understand the coverage and limitations.