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Over the past few years, the air quality in India has degraded to dangerous levels causing severe respiratory diseases in many. Asthma is one of the oldest and most long-term diseases that has been affecting a majority of people around the world. In general terms, asthma is a condition that is related to breathing and similar issues in a person.
As per the medical definitions, Bronchial Asthma is a chronic disease affecting the respiratory tract of the person. Here the airways and passages get narrowed down due to the inflammation caused in the muscles. The narrowing of the passages ultimately causes recurrent wheezing and breathlessness in the person. Bronchial Asthma in severe cases can make you visit the emergency rooms often if not taken care of properly.
The actual causes of Asthma have still not been pinpointed. Moreover, the reason why some people have the severe version of the disease, others minor and the rest don’t at all is a matter of research till now. Having said this, doctors generally say that asthma causes can be due to a combination of factors including environmental and genetic factors.
Doctors believe there are some substances or conditions that can trigger allergies and asthma symptoms in a person. These are called asthma triggers. Different people react differently to these factors. Common asthma triggers include:
Asthma patients generally have obvious symptoms, however, they may look similar to those of other respiratory diseases.
Some common asthma symptoms are:
An asthma attack is a condition when all the muscles around the airway passages are triggered to tighten, narrowing the passage badly. This issue is called bronchospasm.
Common symptoms of an asthma attack:
Asthma is a long term disease that can occur to anyone at any age. There are a few preventive measures that can be taken to keep this disease in control.
Bronchial Asthma is a disease that can lead to an emergency at any time. The lifelong treatments and expensive medications drain out the savings and cause a mental as well as a financial burden. In this situation going for health insurance that can take care of your asthma is the best decision ever.
|Name Of The Plan||Best Features|
|Star Comprehensive Health Plan||
|Aditya Birla Activ Health Enhance||
|Royal Sundaram Lifeline||
According to The Lancet Global Health Journal reports, 300 million people have asthma globally, out of which 37.9 million are Indians. It means that every eighth person in India suffers from the lung disease, Asthma. It is a chronic medical condition and can lead to a medical emergency anytime.
Therefore, having health insurance for Asthma can help in the following ways:
Inflammation in the respiratory tract can cause sudden attacks of Asthma and the patients may require urgent hospitalization and medical attention. These are very common cases and the probability cannot be overlooked at all. Critical asthma treatment can be costly and hence having health insurance for asthma can help in covering the costs.
Several tests starting from chest X-ray to pulmonary function test are conducted during the treatment of asthma, especially if you are hospitalized. All these tests and medication inflate your bills in no time. Hence, having a policy can help you in managing the bills. Always check for the availability of coverage with your health insurance company.
The treatment of asthma patients comes costly owing to the doctor’s consultation fee, medicine costs, and inhaler/nebulizer costing. The medicines and inhalers come costly which can directly reflect on your pocket if you have not invested in an asthma health insurance plan.
Air pollution is constantly on the rise, which is not very good news for asthma patients. It will increase complexities in their life. According to IQAir, 22 out of the 30 most polluted cities in the world are in India. The work-from-home culture has also contributed to the sedentary lifestyle of people.
The coverage of a health insurance plan for asthma depends on the plan that you have opted for. Always check with your insurer for the costs that are covered under the policy. In most cases, the inclusions in health insurance plans for asthma are as follows:
Under asthma health insurance, the following situations are not covered:
There are certain health insurance companies that offer a cover for asthma. However, it is suggested that you read the policy documents carefully to check for the waiting period.
In most cases, asthma is not regarded to be a critical illness, nevertheless, the severity of the illness varies from person to person. Irrespective of the severity, when buying health insurance, you must declare your medical condition to the insurance provider.
Yes, most health insurance policies regard asthma as a pre-existing disease.
The severity of asthma may influence the premium that you have to pay for your health insurance policy. It may be on the higher side.
The three types of asthma are Occupational Asthma, Exercise-Induced Asthma, Cough Variant Asthma.
There are four categories of asthma: