Asthma
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  • Why Health Policy For Asthma?
  • Benefits for AsthmaHealth Insurance Coverage
  • Things To Check Before Buying
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Health Insurance For Asthma Patients

Asthma is no more a rare disease on the globe. According to WHO, 235 million people across the world are suffering from asthma. One out of every 10 asthma patients is found from India and it kills 1000 people every day worldwide.

One of the reasons is the expensive asthma treatment and the lack of awareness among the common people of India.

Asthma medication is comparatively higher concerning normal health treatments. Things are to be planned before an emergency under such an illness. For this purpose, we have the availability of asthma health insurance. Many people are out of the knowledge that Health Insurance Covers Asthma.

Why Health Insurance Is Necessary for Asthma Patient?

Here are the reasons to buy asthma health insurance:

1 Expensive Treatment

The treatment of asthma patients costs higher. The doctor consultation fee is added on with medicinal charges and inhaler/nebulizers costing. The medicines and the inhaler device are a bit costly which reflects onto the pocket of the patient. So, do not hesitate to take health insurance for asthma patients.

2 Sedentary Lifestyle and Pollution

Pollution is increasing over time and so are respiratory diseases.

health insurance for asthma patient

The unfresh air is intolerable for asthma patients. Our sedentary lifestyle adds-on to the pollution side effect and the situation is worst in the case of asthma patients. Steps are required to be taken for the betterment of the condition of asthma patients.

3 Urgent Hospitalization

The high risk of attack in asthma patients should be taken seriously and health insurance for asthma patients should be bought. When the patient suffers an asthma attack, there is inflammation in the respiratory tract. Under this condition, the patient is not able to inhale or exhale leading to suffocation. Instant hospitalization is the most important thing that is required to be done under such serious circumstances. The whole procedure can levy heavy bills onto you as they might require urgent hospitalization. To handle such an imbalance all you need to do is take asthma health insurance.

4 Expenses Relating to Test

The tests relating to asthma are also expensive. The tests may include-

  • Chest X-ray,
  • Exhaled nitric oxide test,
  • Spirometry(inhalation of bronchodilator like albuterol) and
  • Pulmonary function test.

During an emergency, if any complications arise then the test is to be performed and this can dent a hole into your savings. So, it is always better and safe to have asthma health insurance.

Things To Notice When Buying Health Insurance For Asthma Patient

  1. Coverage Extent

    Always be vigilant while choosing asthma health insurance. Keep the three major expenses in mind that relates to asthma treatment. The doctor’s consultation fee, medicine expenses, and the hospitalizations cost matters the most in the health insurance policy. Check your requirements and select the best health insurance policy for asthma.

  2. Renewal Period

    Generally, asthma insurance plans are to be renewed every year but it comes with lifelong renewability.

  3. Exclusions Of The Policy

    When a health insurance policy is bought for asthma patients the exclusions are to be read carefully because diseases getting cover might be not mentioned in the policy and you end up wasting money for no reason.

  4. Claim Settlement Ratio

    The claim settlement ratio varies with the company so before buying health insurance for asthma patients compare the claim settlement ratio of the different companies and then finalize.

  5. Check Health Insurance Premium
    Check Health Insurance Premium
  6. Premium Amount

    Insured’s age is the most important factor that affects the premiums under health insurance for asthma patients. The premiums go on increasing with the increase in the age of the insured. So, plan and get insured as early as possible.

Inform The Insurance Company In Case Of Pre-Existing illness

If a person had bought a health insurance policy and had asthma from beforehand then s/he would not get the cover before the completion of the waiting period. A policy buyer should always tell about his pre-existing medical conditions so that the health insurance company can help him choose the best and reasonable plan.

People suffering from asthma should take health insurance seriously as you can require an insurance claim at any point in time. A few of the health insurance plans for asthma patients are HDFC ERGO Easy health and Aditya Birla Diamond Plan. Rather than procrastinating, buy a health insurance plan that safeguards your family as well as savings.

Written By : Naval Goel

Last Updated : November, 2019

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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