The last decade has witnessed a drastic increase in lifestyle-related illnesses. One such illness is hypertension. It is on the rise in the country, with more and more individuals being diagnosed with it. The primary causes include unhealthy eating habits, work pressure, and lack of physical activities, contributing to stress. Increased levels of stress are a major concern for individuals suffering from hypertension.
The consequences of hypertension result in the disorder of the kidney and also heart ailments. While treating hypertension is possible, the treatment costs are high. These treatments can be a cause of depletion of your hard-earned savings if you don’t have a back-up plan. What better than a health insurance policy when it comes to providing a financial safety net for your health ailments.
What is hypertension?
Hypertension is a medical condition where extreme cases may result in heart disease or stroke. The walls of the blood vessels become constricted or lose their elasticity. Due to this, the heart has to exert more pressure to pump the blood. It can be fatal, too, if adequate precaution is not taken. Thus, it becomes essential for patients with hypertension to avail of a health insurance policy.
Why do you need health insurance for hypertension?
Here’s why patients with hypertension should specifically opt for coverage, be it an individual cover or family health insurance policy.
#1 Treatment costs
Since the treatment cost for hypertension can burn a hole in your pocket, it becomes crucial to have a health insurance policy. The ever increasing inflation in healthcare facilities makes it imperative to have a safety net to avail necessary and timely treatment. You do not want to stress about financial matters where stress is the primary cause of your ailment. An adequate cover that provides enough financial cover will help you cover the cost of diagnosis, treatment, and medical expenses.
#2 Waiting period
Generally, most health insurance plans have waiting periods for various ailments. Among these, hypertension is also included. The waiting period is a predefined duration where the insurance policy does not cover the specified illnesses. Only after the completion of the waiting period, your insurance coverage kicks in. The waiting period generally varies among the 2-4 years range.
#3 Early detection
Early detection of hypertension is essential to keep it in check. It not only helps early diagnosis but also availing treatment right from the start. If not, it can turn into a fatal and deadly disorder. Thus, a health insurance plan with preventive checkup facilities can help detect hypertension early. Most insurers have complementary health checkup facilities that help you to be prepared from the start. Thus, the sooner you finalize a policy, the better are your chances to avail yourself treatment. Make sure you compare health insurance policies before zeroing on one.
#4 Affordable premiums
The premiums for a policy that covers hypertension are based on yours, i.e., the insured’s age. The lower the age, affordable is its premium. The primary reason for this is the chances of a person suffering from hypertension are reduced at a younger age.
A health insurance plan is the best alternative to mitigate or early detection of hypertension. Early detection goes a long way in preventing as well as faster recovery. So make sure you avail a suitable health insurance policy with the necessary coverage and stay insured.