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Can I get a Health Policy if I have Allergies?

Aniket Thakkar Aniket Thakkar 27 January 2016

Suffering from allergies is no rare wonder these days due to the upsurge in pollution. What if you end up in a hospital due to any allergy? Does a health insurance policy cover it?

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Statistics show that about 30% of the Indian population is afflicted with allergies. Youngsters and young adults in the age group of 20-28 years are usually the worst sufferers. The most common allergies are food allergy, dust allergy, skin allergy, etc. which can either be harmless or, in some cases, fatal. Blame it on the pollution levels which are rising, there’s an alarming increase in the number of people falling prey to different types of allergic reactions.

The rising incidence of ailments has also caused a higher awareness for buying a health plan. But, where does a health insurance plan stand in case of allergies? Are allergies covered by your health insurance policy? People are confused when asked whether their health plan will provide for allergies or not. For this reason, people avoid investing in a health plan fearing that their allergies will not be covered. To know the truth of the matter we must first understand the two broad categories of allergies-

• Common allergies –

You might be allergic to dust which causes a bout of uncontrolled sneezing or a difficulty in breathing or your skin might break out in rashes due to any natural element. These allergies are usually common and do not result in death or any other fatal complication. Medication helps fight off the allergy and you become normal after some time.

• Severe allergies –

Some allergies cause an anaphylactic reaction where our immune system overreacts to the element causing the allergy. Such cases cause severe reactions like loss of consciousness, severe breathing problems, etc. often resulting in hospitalization and can be life threatening if timely treatment is not taken.

Health insurance and allergies

Your health plan will cover severe allergies which might cause hospitalization and its associated costs. However, normal allergies which are non-severe in nature are not covered by the plan.

What should you do?

• Buy a health plan –

You might have been dissuaded from my statement where I said that normal allergies are not covered under your plan. But, instead you should look at the bigger picture. Normal allergies do not involve huge costs and are easily treatable. On the contrary, severe allergies incur hospitalization which incurs further expenses. Since your health plan will cover severe allergies, it will be beneficial to you. In fact, buying a health plan becomes more important if you have any allergy because if the allergy becomes of a severe nature, your hospital bills will be paid for by the insurer. Moreover, your health plan will also provide for other hospitalization expenses not related with your allergy giving you a comprehensive protection.

• Seek expert opinion:

Whether or not your insurance plan covers all the allergies that you might have questions about, it’s always better to seek the expert opinion. All health insurance companies offer Toll Free telephone numbers that are mostly available during normal business hours. Even better, brokers like Coverfox.com will provide a broader insight and will even help you in comparing the plans and associated benefits.


Your allergy does not disqualify you from buying a health insurance plan. Health insurers will offer you a plan even if you are allergic and even cover your severe allergies. Having a health plan, especially if you are allergic, becomes all the more important because you will need someone to shoulder the bills if your allergy of a severe nature lands you in a hospital.

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Aniket Thakkar
Written by Aniket Thakkar
He lives off TV shows, movies, junk food, comics and sarcasm. When he is not working as a freelance imaginary friend to other beings like him, he works as VP of Marketing at Coverfox.