Health Insurance 405 views March 12, 2021

Of around 300 million people suffering from asthma globally, 1/10th are Indians. The treatment of asthma can be repetitive and make you pay at frequent intervals. But with a health insurance plan, you can stay away from such expenses. Let’s read this page where we will discuss the features of the health insurance plan for asthma. 

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So What are the Expenses Related to Asthma?

To diagnose asthma, a physical exam will be conducted to inspect the ears, eyes, nose, throat, skin, chest and lungs. After a physical test, individuals may need to undergo a lung function test and a few additional tests for chest or sinus X-ray. We are showing all the expenses towards the diagnostic tests and other costs related to asthma. 

  1. Chest or Sinus X-ray
  2. Exhaled Nitric Oxide Test
  3. Spirometry (inhalation of bronchodilator)
  4. Pulmonary function test
  5. Doctor’s Fee
  6. Medicinal Costs
  7. Hospitalization expenses

When you have health insurance cover for asthma, your policy will cover all the expenses incurred towards these treatments. Now, let’s talk about one such specialized health insurance plan for patients suffering from asthma.

Aditya Birla Health Insurance Chronic Management Program

If you are looking to choose a health insurance plan for asthma, a Chronic management plan from Aditya Birla Health Insurance can be a suitable plan for you. The reason being this plan is exclusively made to cater to the needs of chronic diseases like asthma. With this plan, you can manage your asthma treatment as it will cover various expenses such as doctor’s consultation fees, diagnostic tests, the recovery process, cost of medicines & drugs, etc.

One of the important reasons to have a health insurance cover for Asthma is its chronic nature which brings the possibility of recurring medical expenses towards its treatment. When you have a special plan that covers expenses related to asthma, you can stay stress-free. You can choose to get the claims either via cashless or reimbursement method according to your convenience.

With this Essential plan from Aditya Birla Capital Health, you can choose a sum insured amount starting from INR 10 lakh. However, it can go up to INR 2 crore on choosing the Enhanced plan.

Things to Consider When Choosing Health Insurance Cover for Asthma

When you are going to choose a health insurance cover for asthma, you should keep an eye on a few important factors so that you can choose the right one. We are showing some important factors below that you should know.

Coverage Limit

The coverage of one policy may be different from the other. That’s why it is advised to choose a plan with comprehensive coverage with a sum insured option that factors in the inflation. The reason being the medical costs are rising with each passing day and you certainly don’t want to be underinsured. To choose the best plan, you should keep an eye on the pre-existing coverage and ratio of claims approved by the insurer. You should check whether a plan covers the doctor’s consultation fee, diagnostic tests, hospitalization bills, etc.

Renewal Period

As we mentioned earlier that asthma is a chronic disease because of which the medical treatment can go for a longer period. Considering this factor, you should always check the renewal period of the policy you are going to choose. Usually, health insurance cover for Asthma comes with lifelong renewability.

Affordability of the Premium Amount

You will need to pay a premium amount towards your policy. So, when you are choosing a health insurance cover for asthma, you should know that the premium depends on the age of the insured person and the severity of the disease. Also, the premium may increase with the increasing age of the person. Your premium amount can be lower if you are choosing a plan at an early age.

Claim Settlement Ratio

It is crucial to evaluate the claim settlement history of the insurance company before choosing the health insurance cover for asthma. This can be done with the help of the claim settlement ratio which tells about the ratio of total claims approved by an insurer out of the total claims received in a financial year. So, always choose an insurer with a high claim settlement ratio to enjoy a hassle-free claim settlement experience.

Let’s Talk About the Types and Symptoms of Asthma

Asthma is a chronic inflammatory lung disease where the airways become swell, narrow, and start to produce extra mucus. An asthmatic patient can have difficulty in breathing and triggers coughing and may feel shortness of breath. The types of asthma can depend on the person’s age and the severity of the condition. You can check them below.

  1. Childhood Asthma
  2. Adult-onset Asthma
  3. Allergic or Seasonal Asthma
  4. Occupational Asthma
  5. Exercise-induced Bronchial Asthma
  6. Chronic Obstructive Pulmonary Disorder

Now that you have known the types, you should also know about the common symptoms of asthma. We are showing them below. Do check!

  1. Shortness of breath
  2. Chest Pain or tightness
  3. Production of thick mucus
  4. A whistling sound when exhaling
  5. Coughing attacks that can be worsened by a respiratory virus (cold or flu)
  6. Trouble in sleeping due to shortness of breath or coughing

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