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Protect Yourself With Right Health Insurance Form Respiratory Diseases

Published On Nov 16, 2020

Health Insurance is an insurance product that covers the medical and surgical expenses of individuals who are insured. It reimburses the costs incurred due to illness or injury and pays the person or their caregiver. There are several insurance policies available for protection against respiratory diseases. Respiratory diseases are caused by infection, smoking tobacco, breathing in secondhand tobacco smoke, radon, asbestos, and other air pollution forms. They affect the lungs, throat, larynx, windpipe, and nasal cavities. It also affects the respiratory muscles and tissues in prolonged cases. They cause breathing problems and breathlessness.

The most common respiratory diseases observed are:

  • Asthma
  • Chronic obstructive pulmonary disease (COPD)
  • Chronic Bronchitis
  • Emphysema
  • Tuberculosis
  • Pneumonia
  • Pulmonary fibrosis/ bronchiectasis
  • Lung cancer
  • Cystic fibrosis
  • Pleural effusion

Also Read: Deadliest Diseases in India

Respiratory diseases paralyze breathing and impair movement in extreme cases. They are triggered by dust, bacteria, viruses, polluted environments, smoking tobacco, and allergies. The symptoms of respiratory diseases include:

  • Cough
  • Fever
  • Headache
  • Shortness of breath, chest congestion
  • Soreness and inflammation of the throat

Types of Insurance Cover for Respiratory Diseases

Health Insurance for respiratory diseases is readily available. One should read the plan carefully before picking out the right one. Here are a few things to be noted before the purchase of an insurance plan:

1. OPD Cover: The number of cases for respiratory illnesses goes up during Diwali times. Many people experience the symptoms listed above who did not have a pre-existing health condition. These cases require immediate attention and tending to. This can cause out of pocket expenses. The common ailments require Outpatient department (OPD) treatment, including dry throat, breathing difficulty, and eye irritation. So, the policy to be chosen must ensure that such OPD treatment procedures are covered in it.

2. Cashless Mediclaim: In emergency cases like COPD, asthma attacks, and many other respiratory problems, immediate care is necessary. In these times, the patient should not be concerned about providing cash to the hospital directly. Hence the policy chosen should ensure that the insurance company can make cashless transactions. Even if the hospitalization is a planned one, cashless insurance proves to be a better choice.

3. ICU Charges: The polluted air may lead to strokes or heart attacks, amongst other problems, which may lead to ICU emergency admissions. These ICU charges should also be taken care of under the insurance plan through a cashless transaction. So, ensuring that this is taken care of is essential.

4. Critical Illness Cover: Choosing an Insurance plan that protects people when they might have critical illnesses due to pollution with a previous health condition is very important. Critical illness expenses include ambulance cover, air ambulance, organ donor cover, and alternative treatments.

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It is crucial to have respiratory disease insurance to ensure that there are no issues during the respiratory problem attack. It is also necessary to check that the insurance covers all of the requirements of the individual. The factors to be studied in detail are listed above. Due to the rise in air pollution, the number of cases has also increased, making Respiratory Disease Health Insurance a necessity.

Also Read: Steps Which Will Help Stop the Spread of Coronavirus

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.​

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