Surveys reveal that almost 30% of the Indian population is affected by allergies. Kids and teenagers fall prey to these diseases because of pollution, or use of pesticides in food and vegetables. The allergic reactions result mainly from pollen, dust, dust mites, seafood and also certain types of vegetables and pet dander. These allergies can sometimes vary in severity depending on the individual and can even be fatal.
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Allergies can be broadly classified into two categories. They are:
See Also: Health Insurance Benefits
Allergic reactions are triggered in many ways. Each individual has some immunity related weaknesses. A person may be allergic to certain vegetables, but not to dust. Most health insurance plans offer coverage for severe allergy, provided medical treatment and hospitalization takes place. There are several health insurance plans that cover severe allergies, but exclude normal allergies. However, if availing a health insurance plan with exclusive allergy cover is your priority, then choose one to save money in case of hospitalization due to allergy.
See Also: What Is Health Insurance?
There are several health insurance companies in India, today. However, only some of them stand out. A basic health insurance policy is framed keeping in mind a healthy person who does not have special requirements. So, there would be no general exemptions applied to the insured while filing for insurance claim.
Health insurance policies cover allergy treatment, but some cover only severe allergies. So, you can avail a normal health insurance policy and remain stress-free with the coverage offered by the insurer. IRDA has stated that all health insurance plans must offer a standard level of cover and reimbursement for expenses incurred at medical facilities. In case you want additional cover like ambulance charges, or seek to add additional members to your existing health insurance policy / specific coverage for medical conditions, you can avail them by paying an extra premium, along with existing premium.
See Also: History of Health Insurance in India
To choose the right insurance plan, you must go online and compare your shortlisted health insurance plans and get an online health insurance quote. You can also read customer reviews and check the claim settlement ratio of your insurer. You can check for features and riders covered by these health insurance plans. Some insurers are designing health insurance products in such a way that all the policyholders receive comprehensive coverage for medical conditions. These health insurance plans are value for money, as they are profitable to the insurer and also beneficial to the insured.
If you are confused on whether to avail a health insurance plan to cover allergies, then it is time you compare various policies online and read customer reviews to get a clearer idea on the benefits of health insurance plans.
Seek Expert Opinion: If you are not adept at comparing health insurance plans online and have queries on the inclusion of allergy conditions, then it is best to seek an expert opinion. Take the help of a Financial Advisor to select the right health insurance plan.
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