Health Insurance For Hypertension
  • What is the hypertension?
  • Health plans for hypertension
  • What are the causes if hypertension?
Health Insurance For Hypertension
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How Health Insurance Can Help Manage Hypertension?

Hypertension, this word might be new to you but it is a very common problem in 80% of Indians. In Indian households, this disease is known as the "BP Problem". Sounds familiar right? The main reasons for hypertension are excessive stress and an unhealthy lifestyle. You can get both if you have health insurance. In short, if you have health insurance, your half-stress is released as your medical finances are sorted.

I know you might be getting a lot of questions related to hypertension. Right? No worries, we have answered all of your questions below.

What is Hypertension?

Hypertension, also known as high blood pressure is a chronic condition where the force of blood pushing against your artery walls is consistently too high. This extra strain on your arteries can potentially damage them over time and lead to a serious health problem if you do not treat them in time.

What are the Types of Hypertension?

Hypertension has different types. Read below to know more about the types and coverage under health insurance.

  1. Primary or Essential Hypertension

    The most common type of hypertension has no symptoms or cause. Generally, health insurance gives coverage for the treatment, which includes doctor visits for diagnosis and management, blood pressure medications, and even hospitalisation if needed.

  2. Secondary Hypertension

    The problem is caused due to underlying conditions like kidney disease, hormonal disease or substance abuse. The health insurance coverage for this depends on the underlying conditions and your health plan such as pre-existing condition clause etc.

  3. Malignant Hypertension

    When you need a medical emergency to prevent organ damage, it is called malignant hypertension. Mostly covered by health insurance plans, as the treatment would require hospitalisation.

  4. White Coat Hypertension

    The condition where blood pressure is normal during daily life but severely high in clinical settings. Often seen in the patients who are overweight, anxious or aged. Some plans might not cover the treatment procedure for this type of hypertension because it does not require ongoing treatment.

  5. Resistant Hypertension

    In this condition, the blood pressure remains on the higher side, despite using medications. Usually, health insurance does not cover this type of hypertension, but in some plans, it covers special medications and procedures.

Health Plans That Cover Hypertension

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

A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.

Unique Features

  • Covers a maximum of 6 members
  • Unlimited SI restoration
  • Coverage for modern treatments

Health Reassure Plan (Pros)

  • Booster benefit
  • Organ donor transplant
  • ReAssure
  • Live Healthy Benefit
  • Second Medical Opinion

Health Reassure Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • No Suicide Cover
  • No War Injury Cover

Health Reassure Plan (Other Benefits)

  • Air Ambulance
  • Hospital Cash
  • Personal Accident Cover
  • Domiciliary hospitalization
  • Day care treatment

Health Reassure Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.

Unique Features

  • No room rent capping
  • 20% no-claim bonus on SI
  • 100% SI restoration

Health Companion V2022 (Pros)

  • 5% Doctor Discount
  • 10% Family discount
  • Tenure Discounts of upto 15 %
  • Annual Aggregate Deductible
  • Home Care Treatments

Health Companion V2022 (Cons)

  • No OPD Cover
  • No Maternity Cover
  • Cosmetic Surgery Uncovered
  • Specific Diseases after 2 yrs
  • No Alcoholism Cover

Health Companion V2022 (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Vaccination on Animal Bite
  • Organ Donor Benefit
  • Domiciliary treatments

Health Companion V2022 (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

  • Premium Payment Flexibility
  • Wellness Program
  • Short Waiting Period

Assure Insurance Policy (Pros)

  • Second Medical Opinion
  • Health Check-up Covered
  • 100% Cumulative Bonus
  • Compassionate Travel
  • AYUSH Treatment

Assure Insurance Policy (Cons)

  • 10% Co-pay applicable
  • Deductibles
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - 5 L - 2 Cr
  • Waiting Period - 30 Days

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Women Care Plan(Pros)

  • Designed for Women's Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Plan (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Women Care Plan (Other Benefits)

  • 10% long-term discount
  • 10% Air Ambulance Cover
  • Pain Management Cover
  • Assisted Reproduction
  • Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Star Comprehensive Plan (Cons)

  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Star Young Star Policy (Pros)

  • Mid-term inclusion
  • 10% discount on early purchase
  • Star Wellness Program
  • Flexible-Premium Payment
  • 2 Plan variants

Star Young Star Policy (Cons)

  • PED waiting period
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

  • Hospital Cash Benefit
  • Lifelong Renewal
  • E-opinion
  • No-claim bonus
  • Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 40 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

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 health insurance plan with SI up to INR 1 Crore and 3 plan variants and features like a wellness program, unlimited tele consultations, and more.

Unique Features

  • 3 Plan Variants
  • Up to 200% Cumulative Bonus
  • Critical Illness Cover

ManipalCigna ProHealth Prime (Pros)

  • Annual Health Check-up
  • Domestic Second Opinion
  • Switch Off Benefit
  • Premium Waiver Benefit
  • OPD Expense Covered

ManipalCigna ProHealth Prime (Cons)

  • Optional Deductibles
  • 10% Co-Payment
  • PED 2-year waiting period
  • Long Waiting Period
  • Long Mental Illness Cover

ManipalCigna ProHealth Prime (Other Benefits)

  • Domiciliary Hospitalization
  • Air Ambulance Cover
  • Cumulative Bonus Booster
  • CI Add on Cover
  • SI Restoration

ProHealth Prime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

What are the Causes of Hypertension?

There can be a lot of reasons why a person is dealing with hypertension. Some of the causes are:

  • Genetic
  • Diet
  • Overweight
  • Lifestyle habits
  • Age
  • Sensitivity to sodium
  • Excessive stress
  • Kidney problem
  • Hormonal imbalances
  • Renal Artery Stenosis
  • Sleep apnea
  • Substance abuse

What is the Treatment Coverage for Hypertension?

If you are a patient of hypertension, or there is a history of this problem in your family, then you must go for the plan that provides these benefits, to get maximum coverage.

  • Inpatient hospitalisation, especially for uncontrolled hypertension.
  • Diagnosis, medications and Intensive care during hospitalisation.
  • Daycare procedure
  • AYUSH treatment, since most of the time Ayurveda has the cure to this disease.
  • E-consultation with the experts
  • Outpatient consultation with doctors
  • Domiciliary care

Bottom Line

Health insurance for hypertension treatment is an easy option that helps you manage your finances. Moreover, if you feel symptoms like headache, blurred vision, chest pain, and fatigue, immediately inform your healthcare doctor. Though it is a common condition, managing it does not have to be a financial burden. Having a health insurance plan with good coverage for hypertension can give you peace of mind and allow you to focus on your health.

Do not wait to prioritize your health. Get a free quote for the health insurance plan that fits your needs and budget.

Health Insurance For Hypertension: FAQ's

1. Can I get health insurance if I have hypertension?

Yes, you can get health insurance even if you have hypertension. However, you need to serve a waiting period for conditions like hypertension.

2. What factors affect the cost of health insurance when I have hypertension?

Factors that can influence the cost of your premiums are age, medical history, type of plan, and location.

3. Will my insurance cover the high cost of medications for resistant hypertension?

It depends on what kind of medications you are using. In this case, some treatment is covered, and some are not.

4. Can I get a discount on health insurance if I actively manage my hypertension?

Yes, some health insurance plans offer a discount if you keep yourself healthy.

5. Does insurance cover alternative therapies for hypertension?

Yes, many plans offer coverage for alternative therapies like Ayurveda, Unani, Siddha, and Homoeopathy (AYUSH) to treat hypertension.

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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.