How Health Insurance Policies can be Helpful for Asthma Patients?


4 min read

Did you know India is one of the countries in the world with the highest number of Asthma patients? Out of 10 patients, one is found in India. Quite shocking, isn’t it? The sad part is that some people do not undergo the required treatment due to a lack of awareness, while some cannot get it due to fewer funds. The treatment of Asthma is quite expensive in India and not all patients can opt for it.

If you suffer from Asthma or know someone who has it but avoiding treatment for a shortage of funds, the best option is to buy a health insurance policy. There are several health insurance plans in India that you can choose from.

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Why do you need health insurance for Asthma?

Asthma attacks can be very dangerous. Many people lost their lives because they could not take it. Here are some reasons that justify having health insurance coverage for Asthma.

  • Treatment is expensive: The treatment for Asthma is very expensive. When you undergo treatment, you do not just pay for the medicines but the fees of the doctors as well. Even the inhaler you have to use is costly. And to afford all of it, you need to pay quite a good amount of money.
  • Urgent hospitalization: Asthma is not a small health condition that should be taken lightly. There are times when patients need to be rushed to the hospital on an emergency basis. And the hospital bills can make holes in your pockets. This is the time when health insurance for Asthma sufferers can come as a great help.
  • Costly tests: The tests that you have to undergo for Asthma are expensive too. The common tests are Pulmonary function tests, Chest X-rays, Spirometry, and Exhaled Nitric Oxide test.

When you have a health insurance policy, all these treatments and tests can be taken care of without burning your savings.

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What are the factors to look for while buying an Asthma health cover?

While buying even the best health insurance policy, there are certain factors that you need to take into account. Here are a few of them mentioned below:

1. Extent of coverage

As you undergo treatment for Asthma, you will basically have to keep funds ready for three expenses like Doctor consultation fees, hospitalization costs, and medicine. Certain health insurance policies offer comprehensive coverage. Therefore, comprehensive coverage is something that you should consider while buying a health insurance policy.

2. Check what is excluded

When you are buying a health insurance policy, you need to have a clear understanding of not only what is included but the exclusions too. Therefore, the exclusions can be covered through some other arrangements.

3. Premium amount

You must be aware of the amount of money that you are going to pay to keep your health insurance policy active. Also, if you buy a health insurance policy when you are young, you would be paying lower premiums since it is directly proportional to your age.

4. Renewal period

If you are buying a health insurance plan for Asthma, you would need to renew it each year. Well, there are health insurance plans for Asthma that even come with lifelong renewability. However, it depends on the severity of the condition.

5. Claim Settlement Ratio

Checking the Claim Settlement Ratio of the insurance company is very important and you should not miss out on taking a look at it. The Claim Settlement Ratio of an insurance company indicates the number of claims of the policyholders that have been settled so far. To be on the safer side, you should go for insurance providers that have a Claim Settlement Ratio of more than 90%.

Do you need to buy a separate health insurance policy for Asthma?

If you are an Asthma patient, it is good to have a separate health insurance policy for yourself. In times of need, you can use the sum insured without affecting the family health insurance policy. You can have track of the policy without any confusion.

Also, when you have a separate health insurance policy for Asthma, you can request the insurer for a less waiting period, coverage for medicines, free teleconsultations, and many more. This means you can have a dedicated health insurance policy and additional services.

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Patients with Asthma must take their health seriously. They must keep their family aware of the benefits and features of the health plan so that in times of need they can claim the benefits for his/her treatment.
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FAQs on How Health Insurance Policies can be Helpful for Asthma Patients?

Is Asthma covered under all health insurance policies?

Asthma is covered under most health insurance policies. However, while buying one, you must check if you are getting coverage for Asthma treatment under the preferred policy or not.

Is asthma considered a pre-existing condition in insurance policies?

Asthma usually is considered a chronic condition, and is a pre-existing condition in the insurance policies.

Are there types of Asthma?

Yes, there are types of Asthma such as Occupational asthma, Seasonal asthma, Non-allergic asthma, and Exercise-induced asthma.

While taking travel insurance, do I need to declare my Asthma?

Yes, in order to make a claim, you must declare that you have Asthma while opting for travel insurance.

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Jan 23, 2023
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PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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