Health Insurance Plan for Liver | Symptoms and Diagnosis of Liver Problems|Kotak Life Insurance

Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak e-Term Plan

Protect Your family’s financial future with Kotak e-Term Plan. Know more

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family. Know more

Kotak Guaranteed Savings Plan

A plan that offers long term savings and insurance in one premium. Know more

Kotak e-Invest

Insurance and investment in one plan with Kotak e-Invest. Know more


Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.

Kotak e-Term Plan

Health Insurance for Liver: What You Should Know About the Symptoms and Diagnosis of Liver Problems

Health Insurance Plan for Liver- What You Should Know About the Symptoms and Diagnosis of Liver Problems on this article Visit Kotak Life to know more on health insurance plans

  • Mar 26, 2021

Liver damage is a common ailment that many people face in today’s times. Liver issues affect people of all age groups. The disease can be caused due to several reasons that range from hereditary patterns to lifestyle choices. In most cases, liver disease is treatable with medicines and lifestyle changes. However, in extreme cases, a liver transplant may be advised, depending on the condition and age of the patient. This article talks about liver disease, its symptoms, diagnosis, prevention, and how a health insurance plan can help you if you are suffering from liver damage.

What are the symptoms of liver disease?

Some of the most commonly found symptoms of liver damage include the following:

  • Tiredness or lethargy
  • A low or decreased appetite
  • Nose bleeding
  • Weight loss
  • Swelling in legs, ankle, or feet
  • Itching on your skin
  • Stomach pain
  • Yellow skin or eyes
  • Dark urine
  • Pale stools
  • Nausea or vomiting

What are the reasons that lead to liver disease?

Liver disease can be caused by a number of factors. These include:

  • Infection

Hepatitis viruses can lead to liver damage. These viruses include:

  • Hepatitis A
  • Hepatitis B
  • Hepatitis C

These viruses can enter your body through blood, food, or water. They can also affect you if you have come in close contact with an infected person by being in proximity to them or through sexual activities. Hepatitis viruses can cause inflammation in the liver and impact liver function.

  • Abnormalities in the immune system Autoimmune diseases can also attack your liver and hamper its functioning. Some common autoimmune diseases include primary biliary cholangitis, autoimmune hepatitis, primary sclerosis cholangitis, etc.
  • Cancer Cancers like liver or bile duct cancer, liver adenoma, etc., are some types of cancers that can target the liver and lead to liver disease.
  • Lifestyle factors like alcohol consumption Chronic alcohol abuse is a primary cause of liver damage. Excessive use of alcohol has been linked to liver as well as kidney issues. It can also lead to many other health problems.
  • Hereditary reasons like genetics The genes you inherit from your parents can also cause liver damage. Sometimes an abnormal gene can result in a build-up on or around your liver. These conditions include hemochromatosis, Wilson’s disease, or alpha-1 antitrypsin deficiency.
  • Overconsumption of over the counter medicines Excessive use of over the counter medicines can also adversely affect your liver function, leading to its deterioration.
  • Accumulation of fat in the liver Dietary and unhealthy lifestyle choices can cause fat accumulation around the liver.
  • Obesity Obesity has been directly linked to liver disease. Your eating and exercise habits can play a crucial role in your liver’s health.
  • Type 2 diabetes People with type 2 diabetes are at a higher risk of liver disease than those who do not suffer from this health condition.
  • Injecting drugs with shared needles or contact with someone else’s blood or body fluids Using shared needles or coming in contact with an infected person’s blood or other bodily fluids can also lead to liver disease.
Buy Health Insurance Now

What are the different ways to diagnose liver disease?

If you experience any of the symptoms mentioned above or find yourself in any of the situations that may lead to liver disease, you should visit a doctor and have your liver checked. Your doctor can use one of the many ways to detect damage in your liver, as stated below:

  • A blood test A blood test is the first thing that your doctor may use to check the health of your liver. You may have to get a test on an empty stomach. You can consult your doctor and get an appointment for a blood test accordingly.
  • An ultrasound, an Magnetic resonance imaging (MRI) scan, or a computerized tomography (CT) scan The doctor may recommend this after your blood test’s report indicates some signs of liver disease. Imaging tests like an ultrasound, an MRI, or a CT scan are effective in detecting the extent of liver damage in your body.
  • Tissue samples Tissue samples from your liver can also be used to find signs of liver damage. This is also known as a biopsy.

How can you prevent liver disease?

Although not all the factors stated above are in your hand, you can do some things to prevent liver disease, such as:

  • Limit your alcohol consumption: High use of alcohol can lead to many health issues. Therefore, it may be advised to drink alcohol in moderation. Sticking to one to two drinks in a day is generally considered safe for adults. However, you can consult a doctor or a dietician to know the appropriate amount of alcohol for your age and weight.
  • Be careful around people: Unprotected sexual intercourse, using shared needles, etc. can cause liver damage. Make sure to ensure hygiene at all times. This can be done by using a condom during sex, not using shared needles white getting a tattoo or a body piercing, etc.
  • Do not take over the counter medicines without consulting a doctor: Self-medication can cause more issues in the long run as compared to the temporary relief they provide in the short term. It may be recommended to never take medicine without a doctor’s prescription.
  • Get vaccinated: Hepatitis can be cured with the right vaccination. You can get yourself vaccinated and avoid further damage to your liver.
  • Avoid contact with other people’s blood or body fluids: Maintaining hygiene and cleanliness can go a long way in ensuring your good health. If you ever find yourself in such a situation, ensure that you maintain a safe distance from the other person’s blood or body fluids.
  • Eat healthy: Eating fresh and clean vegetables and fruits can be good for your overall health. Paying attention to little details like washing your hands before a meal, drinking clean water, etc. can keep you away from any kind of liver issues.
  • Adequate exercise: Doctors recommend exercise for your holistic wellbeing. Exercise helps to keep your weight in check, which ultimately reduces your chances of getting liver disease.
  • Get regular checkups: If you have a history of liver disease in your family or lead an unhealthy lifestyle, regular health checkups can help detect liver disease in its nascent stage. The sooner a disease is detected, the sooner it can be treated. Hence, eliminating the need for aggressive treatments and medicines later.

How can health insurance help liver patients?

Liver disease is a common ailment. The costs of treatment for liver issues can be astronomical and long term. Right from the diagnostic tests to the medicines and, in some cases, surgery, hospital bills can pile up faster than you can imagine. However, a health insurance policy can help you cover these costs. A health insurance plan can be used to pay for the doctor’s fees, room rent at the hospital, cost of medicines, ambulance fees, pre and post hospitalization expenses, and a lot more. The lump-sum payouts can offer increased liquidity at a time when you need to focus on your health and not the expenses.

Health Insurance by Kotak Life

Kotak health insurance plan is a great policy that can protect you against the high costs of healthcare in the country. The Kotak Health Shield plan offers wholesome protection against liver disease. The plan offers four kinds of protections that include:

  • Cancer Shield
  • Cardiac Shield
  • Livo Shield
  • Neuro Shield

In addition to this, the Kotak Health Shield plan also offers the following benefits:

  • A daily hospitalization cash benefit
  • A waiver of premium benefit on being diagnosed with a minor health condition
  • An income benefit of being diagnosed with a major health condition, including liver transplant, fulminant viral hepatitis, and end-stage liver failure.

To sum it up

Liver disease can compromise your quality of life and lead to many hassles. However, it is important to remember that it can be prevented to a great extent. By paying attention to your health and making conscious lifestyle choices, you can ensure that you lead a healthy life for a long time. Regular health checkups are also important as they can help detect the disease at the right time. This way, you can start taking the necessary steps before the problem gets out of hand.

Above all, a health insurance plan can be crucial here as it can cover the costs of these health checkups. Moreover, if you contract the disease, you can use your health insurance plan to cover the costs of treatment and pre and post-hospitalisation expenses.

Kotak e-Term Plan

Download Brochure


  • Nominal Cost
  • Multiple Plan Options
  • Flexible Payout Options
  • Critical Illness Rider
  • Tax Savings
  • Long term Coverage

Ref. No. KLI/22-23/E-BB/492


- A Consumer Education Initiative series by Kotak Life

Similar Articles

Critical Illness Can Disrupt Family's Financial Goals and How Health Insurance Can be Useful

10 Effects of Fast Food on Your Body

What is Disability Insurance?

What are the Documents Required for Buying a Health Insurance Plan?

Which Health Insurance Plans Cover Your Family Members?

How Much Health Insurance Cover Should You Opt For?

What are Health Insurance Premiums? How are they Calculated?

5 Reasons to Buy Health Insurance in 2021

Health Insurance Coverage: Day Care Treatment Vs OPD Treatment

Everything You Need to Know About Accidental Insurance Policy

Stress and Heart Health: 4 Things You Should Know

What Does Health Insurance Not Cover?

Why You Need to Know About the Critical Illness Plan?

Tips to Reduce Your Health Insurance Premium

How To Choose A Good Health Insurance Plan?

How Your Eating Habits Affect Your Health & How to Change Them

Key Difference between Health Insurance and Mediclaim Policy

Health Insurance Plan for Family

What do Health Insurance Plans Cover?

What is the Right Age to Buy Health Insurance Policy?

How to File Health Insurance Claims?

Health Insurance for Personal Accidents

Key Factors that Decide Your Eligibility for Buying Health Insurance Plans

All You Need To Know About No-Claim Bonus In Health Insurance

Benefits of Health Insurance You May Not Know About

How Much Should I be Paying for Health Insurance?

Health Insurance for Students Who Study Abroad

What Is the Restoration Benefit in Health Insurance Plan?

5 things to consider while renewing a health insurance policy

Tax Benefits on Health Insurance Plans

Types of Health Insurance You Must Know About

Is Cataract Surgery Covered under Health Insurance in India?

What is Health Insurance and Why do You Need it?

What Medical Expenses Can You Claim in Health Insurance Plans?

Buying Health Insurance with A Pre-Existing Illness? Things You Should Know

Why Opting for Short Term Health Insurance Plans is a Wise Idea?

Steps to Appeal A Health Insurance Claim Denial

What is Single Premium in Health Insurance?

How to Buy ₹1 Crore Life Insurance Policy Without Medical Test?

Top Five Institutes for Free Cancer Treatments in India

7 Things to Audit in Your Health Insurance Plan

How wellness benefits can help reduce your health insurance premium

Is Health Insurance the Same as Medical Insurance?

Heart and Cancer Insurance

Seven Preventive Measures for Heart Related Illness

Health Insurance Coverage for HIV Patients

A Millennial’s Guide to Buying Health Insurance

Why You Must Disclose Your Pre-Existing Conditions When You Buy Health Insurance

Health Insurance for Brain Tumour: What You Should Know on Symptoms & Diagnosis of Brain Tumour

10 Preventative Measures for Diabetes

Which One is Better: Mediclaim or Health Insurance?

Why You Must Review Your Health Insurance Policy/ Plan Every Year?

Guide on Fraudulent Health Insurance Claims in India

List of Critical Illnesses Covered in Health and Life Insurance Plans

Difference Between Open Heart and Bypass Surgery

How do I Choose a good Health Insurance Plan?

Health Insurance with or Without Medical Tests? Which is Better

Why You Must Review Your Health Insurance Plan Every Year

What is OPD Cover in Health Insurance?

Choosing Health Insurance for Senior Citizens

Healthy Habits to Avoid Falling Sick During Monsoon

Rashtriya Swasthya Bima Yojana: Eligibility, Coverage, Benefits

Protect Your Family with Health Insurance Today

What Is the Restoration Benefit in Health Insurance?

Why Your Health Insurance Cover Could be Insufficient?

Health Insurance Plans for a Pre Existing Condition

Why Should You Opt for Cancer Insurance?

How to Switch to A Different Health Insurance Company?

How to Transfer Your Health Insurance Cover Without Losing Benefits?

How to Choose a Right Health Insurance Plan?

7 Reason Why Should You Buy a Health Insurance Plan in Your 20s?

Factors to Consider While Choosing a Health Insurance Plan for Your Parents

What is the Persistency Ratio and Why Does it Matter to the Health Insurance Sector?

What is International Health Insurance? Meaning, Importance and Benefits

6 Common Myths about Health Insurance

Everything You Need to Know About the Ayushman Bharat Health Insurance Scheme

5 Reasons to Own Both Health Insurance and Term Insurance

Why is Cardiac Care Plan a boon for Heart Patients?

Do Add-On For Health Insurance Policies Really Add Value?

How is Health Insurance Cost Calculated?

Basics of Health Insurance

What is Telemedicine? How to Seek Medical Treatment Remotely?

Things to keep in mind before buying a health insurance plan for diabetics

The Importance of a Health Insurance Claim Ratio

Health Insurance Plan for Heart – What you Should Know on Symptoms and Diagnosis of Heart-Related Disease?

How Is Your Health Insurance Premium Affected By Age?

Are You Covered for the Home Treatment Cost Under Your Health Insurance Policy?

What is the Difference Between a Mediclaim Policy, Health Insurance and Term Insurance?

Does Critical Illness Insurance Cover Stroke?

How to Claim Tax Benefits on Medical Insurance Premium?

5 Reasons to Consider Investing in Health Care

Why do Patients with Hypertension Need Health Insurance?

Is Health Insurance Non-taxable?

How Much Of Health Insurance Is Tax Deductible?

Section 80D: Everything You Need to About Income Tax Deduction for Medical Expenditure

Health Insurance Plan for Cancer: What You Should Know on Symptoms and Diagnosis of Cancer

Saving Tax on Your Health Insurance

Critical Illness Insurance for Alzheimer's Disease

Why You Must Disclose Your Pre-Existing Conditions While Buying Health Insurance?