Health Insurance Plans for Asthma Patients

Asthma is no longer a rare disease globally. According to WHO, 235 million people worldwide suffer from asthma. One in ten asthma patients is from India, and the disease claims 1,000 lives daily worldwide.

This is partly due to expensive asthma treatment and limited public awareness in India.

Asthma medication costs are higher than general health treatments. Planning for emergencies is crucial with such an illness. For this purpose, asthma health insurance is available. Many are unaware that health insurance can cover asthma.

Why Health Insurance Is Necessary for Asthma Patients?

Here are key reasons to consider asthma health insurance:

1. Expensive Treatment

Asthma treatment costs are high. Doctor consultation fees, medication, and the cost of inhalers/nebulizers can add up. These expenses can significantly impact a patient's finances. Therefore, health insurance for asthma patients is highly recommended.

2. Sedentary Lifestyle and Pollution

Pollution is increasing, leading to a rise in respiratory diseases. Poor air quality is particularly challenging for asthma patients. A sedentary lifestyle exacerbates the effects of pollution, making the situation worse for asthma patients.

3. Urgent Hospitalization

Given the high risk of asthma attacks, obtaining health insurance for asthma patients is crucial. During an asthma attack, the respiratory tract becomes inflamed. This can lead to difficulty breathing and suffocation. Immediate hospitalization is often required in such serious circumstances. The entire procedure, including urgent hospitalization, can result in substantial medical bills. Asthma health insurance can help manage these financial burdens.

4. Expenses Related to Tests

Asthma-related diagnostic tests are also expensive. These tests may include:

Chest X-ray
Exhaled nitric oxide test
Spirometry (involving inhalation of a bronchodilator like albuterol)
Pulmonary function test

In an emergency, these tests can significantly deplete your savings if complications arise. Therefore, having asthma health insurance provides essential financial protection.

Key Considerations When Buying Health Insurance for Asthma Patients

Coverage Extent
Be diligent when choosing asthma health insurance. Consider the three major expenses related to asthma treatment: doctor consultation fees, medicine costs, and hospitalization. Assess your requirements to select the most suitable health insurance policy for asthma.
Renewal Period
Asthma insurance plans are typically renewed annually and often offer lifelong renewability.
Exclusions of the Policy
When purchasing a health insurance policy for asthma patients, carefully read the exclusions. Ensure the specific conditions you need covered are included to avoid unexpected expenses.
Claim Settlement Ratio
Claim settlement ratios vary by company. Before buying, compare the claim settlement ratios of different companies.
Premium Amount
The insured's age significantly affects premiums for asthma health insurance; premiums generally increase with age. Therefore, it is advisable to get insured as early as possible.

Declare Pre-Existing Illnesses to the Insurance Company

If a person has a pre-existing asthma condition, coverage typically begins only after a waiting period. Policy buyers should always disclose pre-existing medical conditions to help the insurer recommend the most suitable plan.

Individuals with asthma should seriously consider health insurance, as a claim might be needed at any time. Some health insurance plans that may cover asthma include HDFC ERGO Easy Health and Aditya Birla Diamond Plan. Instead of procrastinating, buy a health insurance plan that safeguards your family and savings.