Asthma Treatment Cost In India
  • What is asthma?
  • Asthma Treatment
  • Health plans for Asthma
Asthma Treatment Cost In India
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Take Control of Your Breathing! Treating Asthma like a Pro. 

Asthma is a chronic respiratory condition that can affect anybody worldwide. Did you know that over 3% of India's population is dealing with asthma? And 42% of them lose their lives due to this condition. The reason is a lack of awareness and expensive treatment costs. For proper treatment, the patients need a reliable financial backup and unhindered access to quality medical services. This is where perfect health insurance comes into the picture. 

Does your health insurance cover asthma? If yes, well and good. If not, let us help you out by providing vital information, both about the disease and insurance plans that cover asthma. 

What is Asthma Disease?

Asthma is a chronic lung disease that makes breathing difficult and tiring. It directly affects the airways, the tubes that carry air in and out of your lungs. The airways become inflamed and narrowed in people with asthma and it can cause:

  • Wheezing
  • Coughing 
  • Shortness of breath
  • Chest tightness

Some of the key things to remember about asthma.

  • It is a chronic condition, which means it is a long-term disease and has no cure.
  • There are some effective treatments, that can manage the symptoms.
  • Understand and avoid asthma triggers which include allergens like pollen, dust mites, or pet fur. 

What is the Procedure of Treating Asthma?

Asthma treatment does not follow a one-size-fits-all approach. For every individual, it varies, and these personalised treatment plans are based on the severity of the asthma and its adjoining needs. Moreover, there are two main goals of asthma treatments, which are:

  • Quick relief of symptoms during the attacks- It involves medications that will act faster and open up narrowed airways. For this, the doctor will prescribe an inhaler that the patient has to take for quick relief. You need to purchase a blue inhaler, which costs around Rs 200 to Rs 800. 
  • Long-term control to prevent attacks- These medications aim to reduce inflammation in the airways. It prevents asthma symptoms from developing in the first place. They are called controller medications and are typically used daily. The whole course will cost you Rs 2000 to Rs 5000 monthly.

However, some advanced treatments for asthma can cost you around Rs 50,000 to Rs 1,00,000. Also, asthma can be treated using the AYUSH procedure. 

In addition to these medications, doctors also recommend:

  • Identify and avoid asthma triggers.
  • Change your lifestyle, maintain a healthy weight, quit smoking, and get regular exercise.
  • Bronchial thermoplasty, a new procedure that involves using thermal energy to reduce muscle mass. 

Health Insurance Plans that Cover the Treatment of Asthma

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.

Unique Benefits

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Care Classic (Pros)

  • Zone-Based Health Insurance
  • Family Floater Plan
  • Affordable Plan
  • High Sum Insured
  • Value Added Services

Care Classic (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Classic (Other Benefits)

  • Unlimited e-consultations
  • Annual Health Check-up
  • Wellness Services
  • OPD care
  • ENT Consultations

Care Classic (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

Niva Bupa Aspire Plan (Pros)

  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

  • Entry age - 18 years
  • Max entry age - No AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

This is a plan that comes with wellness and chronic care benefits.

Unique Features

  • Day 1 Cover for chronic disease
  • 586 Day Care Treatment
  • Worldwide Emergency Assistance

Bottom Line

Asthma is a chronic disease, but you can live a normal life with asthma. Try to maintain a healthy lifestyle. The best advice in case of asthma is, that precaution is better than cure. So, you need to be very cautious if you see problems like wheezing, coughing, or breathing problem, consistently. Contact your doctor for better advice. For the best health insurance plans you can contact PolicyX, our advisors are available 24X7 for your support.

Asthma Treatment Cost In India: FAQ's

1. How can I find out if my health insurance covers asthma treatment?

You need to review your health insurance policy or contact your policy insurer for better understanding.

2. I am feeling a heavy chest after running, am I asthmatic?

Not really, running can make anyone breathe heavily. But, if you feel uncomfortable for long, then consult your physician.

3. How do you save money on asthma medications?

To save money on the treatment procedure of asthma, try to stay away from triggers and maintain a healthy lifestyle to avoid the occurrence of attacks. Also, great health insurance for asthma can help to reduce the financial burden.

4. Can asthma be completely cured?

No, asthma is a chronic disease, you can live with it by maintaining a healthy lifestyle and taking necessary precautions.

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Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.