Best Health Insurance Company in India

Why is Health Insurance Necessary for Asthma Patients?

5 April, 2021

0 Shares

313 Reads

Best Health Insurance Plans

Share

Asthma is among the most common respiratory diseases worldwide and it's estimated that over 10% of patients are in India. According to WHO, over 300 million people globally suffer from Asthma. Asthma is triggered by pollution and with worsening air quality over the years, it's becoming more prevalent. It leads to swelling of a person's respiratory tract, which affects constant airflow to the lungs. Whooping cough, difficulty in breathing and chest pain are some of the most common symptoms of asthma. Asthma patients can lead normal lives if they take medications regularly and stay away from polluted environments.  Asthma attack can occur at any time of the day and it's most severe after strenuous physical activity or at night.

 

With the rising cost of medical facilities, even treatment for normal diseases can take a toll on your finances. Also, the constant worry about arranging cash for treatment or selecting the right hospital in case of emergency hospitalization. A good health insurance for asthma takes care of your financial woes and provides an assurance that you will avail quality healthcare facilities.

 

Why Asthma Patients Need to Buy Health Insurance?

 

  • Asthma is a common affliction today and due to increasing urban pollution, it's bound to affect your health.
  • Asthma can worsen rapidly and may require immediate hospitalization. In order to save on the hospital expenses and doctors bill, a health insurance plan comes handy.
  • After hospital discharge, the doctor may prescribe some rest, which would again hamper your productivity and may result in financial loss as well. Without asthma health insurance, there would be no choice but to spend the money that you would have saved otherwise.
  • Various asthma related tests like chest X-ray, spirometry and pulmonary function test can get quite expensive. A health insurance plan covers such expenses as well.

 

What to Keep in Mind While Choosing a Health Insurance Plan?

 

Coverage Limit

 

Check for all the health insurance plans available in the market, compare them and then choose the one that you find most suitable for you. A good medical insurance plan should generally cover hospitalization expenses, doctor's fee and the treatment bill. If you have any other health conditions apart from asthma then check if the other condition is also included in the plan or not.

 

Terms & Conditions

 

It sounds cliched, but always check out the terms and conditions mentioned before buying a health insurance plan. In case you have severe complications, you can also consult with your doctor regarding the type of insurance that will be most suitable for you.

 

Policy Renewal

 

Usually, the policies have to be renewed every year, but it may vary according to the insurance provider. There are also asthma health insurance plans that come with a lifetime renewal option

 

Policy Exclusions

 

Before buying health insurance for asthma, it's equally important to check what's not covered as it's to figure what's covered, so that there is no confusion or misunderstanding later on. Every policy document contains a list of disorders or conditions that are not covered under the insurance plan. It's important to read that carefully.

 

Premium Amount

 

While everyone looks for an affordable health insurance plan with the most benefits, the premium amount varies based on different factors. Compare different policy offerings and the premium amount. Age is an important factor in health insurance. The premium amount increases with age. So, if you delay buying it now, it's obvious that you will have to pay more a few years later.

 

Claim Settlement Ratio

 

This is another important criterion that gives you a fair idea about the insurance company. With the help of a claim settlement ratio, you can make an estimate of the chances that your claim would be approved by the insurance provider. Claim Settlement Ratio is the number of claims approved against the number of claims submitted. Check the claim settlement ratio before buying health insurance for asthma.

 

How to Control Asthma?

 

Asthma can be controlled by following doctor's prescription, taking medications and avoiding pollution. Based on severity of symptoms, asthma is subdivided into three categories:

 

  • Green Zone: When the patient has no visible symptoms and can breathe normally.
  • Yellow Zone: Mild symptoms like coughing, difficulty in breathing, or wheezing.
  • Red Zone:  Severe symptoms like heavy chest pain and inability to breathe. It affects the patient's ability to carry on with daily life.

 

How to Test for Asthma?

 

There are tests to determine the intensity of asthma.

 

Peak Flow Test: It measures breathing flow. Low peak flow ratings indicate respiratory problems. Based on it, the doctor will proceed with the treatment.

 

Spirometry: It checks the time taken to exhale air and based on it estimates bronchial tube volume.

 

There are also diagnosis tests that check whether or not a person has asthma.

 

Methacholine Challenge: During this test if there's any respiratory tract constriction, it indicates that the person suffers from asthma.

 

Imaging: Using chest x-ray and CT scan of nose cavity and lungs, the disorder can be spotted.

 

Nitric Oxide Test: As the name goes, it measures nitric oxide in the patient. In asthma patients the nitric oxide level is higher than normal due to respiratory tract inflammation.

 

Conclusion:

 

Due to increased air pollution and toxic fumes all around in urban areas, asthma is becoming a common lifestyle disease. Asthma symptoms can range from mild to severe. In mild cases, the patient experiences little difficulty in day-to-day tasks. Whereas in severe cases the patient finds it extremely difficult to breathe and may require immediate hospitalization. There’s no cure for asthma but through regular medication, it can be controlled. Opting for an asthma health insurance plan is crucial for patients as it covers the entire medical expenses and even has coverage for regular check-ups. Without health insurance, the medical bills can get quite expensive and deplete savings kept aside for future contingencies. That’s why it’s important to thoroughly check policy offerings and buy an affordable health insurance plan. Choose right health insurance plan based on your needs after going through all options available.

Start Your Insurance Today!

Secure your Health with comprehensive insurance plans from Niva Bupa

+91
Disclaimer infoBy clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.

You may also like

Health InsuranceHealth InsuranceMedical Insurance Best Health Insurance PlansHealth Insurance PlansHealth Insurance PolicyBest Health Insurance PlansBest Family Health InsuranceBest Mediclaim PolicyBest Health Insurance In IndiaBest Medical Insurance In IndiaBest Health Insurance Plans In IndiaBest Health Insurance Policy In IndiaMediclaimBest Health Insurance For Senior Citizens In IndiaBest Health InsuranceHealth Insurance With Opd CoverMediclaim InsuranceMedical Insurance PlansBest Health Insurance Company in IndiaCritical Illness InsurancePersonal Accident InsuranceMediclaim PolicyIndividual Health InsurancePregnancy InsuranceMaternity InsuranceBest Family Health Insurance plans in IndiaBest Health Insurance companyFamily Health InsuranceBest Health Insurance plans for Senior CitizensMediclaim Policy for Family

 

Health Insurance SchemesChief Ministers Comprehensive Health Insurance SchemeEmployee State Insurance SchemeSwasthya Sathi SchemePradhan Mantri Matru Vandana YojnaGovernment Health Insurance SchemeDr. YSR Aarogyasri SchemePradhan Mantri Suraksha Bima YojnaHealth Insurance DeductibleWest Bengal Hcovealth SchemeThird Party AdministratorRashtriya Swasthya Bima YojanaIn Patient Vs Out Patient HospitalizationMukhyamantri Chiranjeevi YojnaArogya Sanjeevani Health InsuranceCopay Health InsuranceCashless Health Insurance SchemeMukhyamantri Amrutum Yojna

 

Travel Insurance - Travel Insurance | International Travel InsuranceStudent Travel InsuranceTravel Insurance USATravel Insurance CanadaTravel Insurance Thailand | Travel Insurance GermanyTravel Insurance Dubai | Travel Insurance Bali | Travel Insurance Australia | Travel Insurance Schengen | Travel Insurance Singapore | Travel Insurance UK | Travel Insurance Vietnam | Malaysia Tourist PlacesThailand Visa for Indians  | Canada Visa for Indians | Bali Visa for IndiansECR and Non ECR Passport | Qatar Visa StatusUSA VisaVietnam VisaUSA H1B Work Visa

 

Become an agentInsurance Agent | Insurance AdvisorLicensed Insurance AgentHealth Insurance ConsultantPOSP Insurance Agent

 

Group Health InsuranceStartup Health Insurance | Commercial Health InsuranceCorporate insurance vs personal insuranceGroup Personal Accident Insurance

 

Top Hospitals -  Best Hospitals in ChennaiTop Hospitals in DelhiBest Hospitals in GurgaonBest Hospitals in IndiaTop 10 Hospitals in IndiaBest Hospitals in HyderabadBest Hospitals in KolkataBest cancer hospitals in BangaloreBest cancer hospitals in HyderabadBest cancer hospitals in MumbaiBest cancer hospitals in IndiaTop 10 cancer hospitals in IndiaTop 10 cancer hospital in DelhiMulti Speciality Hospitals in MumbaiMulti Speciality Hospitals in ChennaiMulti Speciality Hospitals in HyderabadSuper Speciality Hospitals in DelhiBest Liver Hospitals in DelhiBest Liver Hospitals in IndiaBest Kidney Hospitals in IndiaBest Heart hospitals in BangaloreBest Heart hospitals in IndiaBest Heart hospitals in KolkataBest Heart hospitals in Delhi


OthersTop Up Health Insurance PolicyCorporate Health InsuranceHealth CardSection 80d of Income Tax ActAyushman BharatHealth Insurance PortabilityGoActive Family Floater PlanHealth Companion Family Floater PlanHealth Premia Family Floater PlanHealth Pulse Family Floater PlanHealth Recharge Family Floater PlanHeartbeat Family Floater PlanMoney Saver Family Floater PlanSaral Suraksha Bima Family Floater PlanSenior Citizen Family Floater PlanSuper Saver Family Floater PlanCorona Kavach Family Floater PlanHospital Cash InsuranceCashless Health InsuranceHealth Companion Price revision | Heartbeat Price revision | ReAssure Price revision 

 

Health & Wellness - PCODPCOD Problems SymptomsStomach InfectionStomach Infection symptomsHome remedies for Stomach InfectionHypertension definitionHow to Control SugarTyphoid in HindiBlood sugar symptomsTyphoid symptoms in hindiLow sugar symptoms | ब्लड शुगर के लक्षणpregnancy me kya kareOpen heart surgery costBlood infection symptoms in hindiBP badhne ke karanKhansi ka gharelu upayOmicronCoronavirus Health InsuranceCovid XE VariantNorovirus

footer logo
Some image

www.nivabupa.com

Some image

+91 11 41743397

Some image

1860-500-8888

Some image

3rd Floor, Capital Cyberscape, Sector 59, Gurgaon

  • Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: U66000DL2008PLC182918
  • 1 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.
  • 2 Since Inception refers to claim data from 2010 till December 2023.
  • 3 ReAssure 2.0 Premium: The premium is including taxes and for Bronze Variant, for a 25-year-old individual living in Delhi.
  • 4 Aspire Premium: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
  • 5 Senior First Premium: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
  • 6 Health Premia Premium: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
  • 7 SmartHealth + Disease Management Premium: The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
  • Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.
Social IconSocial IconSocial IconSocial IconSocial Icon