Best Health Insurance Policies for Hypertension Patients in India
Sumanth is a person who is working in a leading private company in Chennai. Since he is the project manager, he has to complete a project on time. He is becoming short-tempered nowadays which got a bad name among his teammates. So, he decided to undergo a diagnostic procedure in a nearby hospital and came to know that he is having the symptoms of hypertension. Although his condition has improved well after undergoing treatment, the hospital costs went high and he managed the same with a health insurance plan for hypertension.
Hypertension refers to the high blood pressure of a person which can lead to severe risks when it is not handled properly. Several factors will influence the problems that will affect the quality of life to a large extent. Anyone who wants to get treatment for hypertension in Indian hospitals should consider buying a health insurance policy that will help manage high expenses. On the other hand, it is necessary to choose a plan which caters to the needs of a policyholder. At the same time, you must evaluate is hypertension a pre-existing condition for health insurance in India?
What are the Benefits of Buying Health Insurance for Hypertension?
Buying health insurance for hypertension is a wise decision because it allows a person to get peace of mind from potential hazards. Hypertension can lead to heart attacks and stroke that result in high medical costs. Hence, having a health insurance plan provides methods to reduce the financial burden considerably.
Here are some advantages of choosing health insurance for hypertension in India.
- Reduces Medical Costs
Hypertension can lead to kidney disease, heart problems, and liver disorders. The treatment costs can become expensive in some hospitals that are not affordable by all sections of society. Buying a health insurance policy enables hypertension patients to reduce their financial burden. Not only that, it makes feasible methods to reduce high medical costs by addressing the exact needs.
- Coverage for Diagnostic Tests
Hypertension patients can get coverage for diagnostic tests after buying a health insurance policy. Since the disease involves different types, the diagnostic procedures may vary, and selecting health insurance helps to minimize them.
Selecting the Best Health Insurance Plans for Hypertension in India
- Care Freedom Health Hypertension Plan
Care insurance, formerly known as Religare insurance company, offers coverage for high blood pressure diagnostic procedures. Not only that, it enables patients to manage all expenses related to treatment, hospitalization, and other things. Those who are looking for the best health insurance for hypertension can select the same that will help accomplish goals. Another thing is that it gives methods to lower high medical expenses thereby helping to minimize mental worries.
- Aditya Birla Activ Health Platinum Enhanced
Aditya Birla is one of the reputed insurance companies in India that offers health insurance plans at affordable prices. The company provides a flexible plan for hypertension patients to ensure the best coverage from Day 1 onwards. Some of the benefits covered by this plan include doctor’s fees, diagnostic fees, hospitalization, medical bills, etc. It even enables patients to get coverage for costs of medicines enabling them to gain more benefits.
- HDFC Ergo Health Insurance Plan
HDFC Ergo Health Insurance Plan is ideal for individuals who suffer from the symptoms of hypertension. It comes with two variants that aim at catering to the requirements of a policy buyer. The company offers health insurance for hypertension in India at the best prices allowing patients to get high-quality treatment in listed hospitals. On the other hand, it is available with no claim bonus and reward points for those who keep their health in good condition. Some other features covered by the plan include in-patient treatment, pre-hospitalization, post-hospitalization, etc.
- Apollo Munich Energy Health Insurance Plan
Apollo Munich Energy health insurance plan offers coverage for hypertension from Day 1 onwards. It is suitable for getting added cover against expenses incurred due to inpatient hospitalization and other treatment. The plan is available in two variants and policy buyers can select the right one based on their choices.
Some Things to Keep in Mind While Buying Health Insurance
Buying health insurance involves several things and customers should evaluate them with more attention. Some of them include age, income, number of dependants, gender, duration, sum insured amount, etc. At the same time, certain insurers will consider high blood pressure as a pre-existing disease and don’t provide coverage for it.
Therefore, it is wise to evaluate whether hypertension pre-existing disease or not in health insurance India before buying a plan. This will help a lot to overcome disputes during the claim process to experience peace of mind. Some insurance companies provide coverage for pre-existing diseases with a waiting period of 2 years or 4 years. A policy buyer should check them before investing his/her money.
How to Calculate the Premium Amounts?
Policy buyers who want to select a health insurance plan can calculate their premium prices online. On the other hand, they should submit accurate details while calculating the amount that will help make an informed decision. They should evaluate the hypertension scenarios in health insurance from different sources including online. Also, they show methods to proceed further while buying a health insurance plan. One should compare rates online that will help buy a plan at low prices which can reduce expenses.
The Conclusion
Hypertension can lead to potential threats when it is not handled properly. A policy buyer should consider buying a health insurance plan which offers coverage for the condition that will help accomplish goals in the claim process. Is hypertension a pre-existing condition for health insurance in India? While certain insurance companies consider high blood pressure as a pre-existing illness, some of them provide coverage for the same. However, it is necessary to follow the terms and conditions when buying a policy from markets. Choosing the right health insurance plan offers solutions for highly expensive treatment costs and diagnostic procedures. It even helps to ensure maximum protection from the symptoms caused by hypertension.
