Delhi is the most polluted city in the World. If you breathe the air in Delhi, your life span could reduce. Sadly, Delhi is not the only polluted city in India. Mumbai and Kolkata are among the world’s most polluted cities.
If you are living in one of these cities, there’s no option but to grin and bear it. The Air Quality Index or AQI in Delhi currently stands at 218. It’s soon going into a severe zone.
The discussion on air pollution in Delhi is now in the Lok Sabha. The focus is on electric vehicles, Delhi’s undrinkable tap water and riding a bicycle to work. In all this comes an important question. Does your health insurance plan cover air pollution?
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Is air pollution a problem? Yes, it’s something that has life-threatening consequences. Your lungs get affected, inflammation of the blood vessels which leads to hardening and clogging of arteries and a lot of other problems. You could suffer a heart attack or stroke if you are already at risk for these diseases.
People in Delhi are wearing masks, but they are not designed for this level of air pollution. Hospitals are filled with patients coming in for respiratory and breathing problems. Air pollution causes eye-watering, breathing and respiratory problems, asthma and bronchitis, allergy and chronic obstructive pulmonary diseases or COPD.
As more and more people fall victim to air pollution, diseases can burn a hole in your pocket. You need a health insurance plan for emergency hospitalization or you will soon go broke.
Most private insurers offer health insurance plans which are all-inclusive. However, you must understand the hidden clauses before availing of the health insurance plan. Go through the fine print before committing to the health insurance plan.
You can cover air-borne diseases like bronchitis, pneumonia, asthma, and COPD among others which require hospitalization with a good health insurance plan. Make sure that the health insurance plan covers air-borne diseases and the most common diseases in India. Get a critical health insurance plan which covers more than 35 critical illnesses.
When it comes to air pollution, most people go for Out-Patient Department Care or OPD treatment. This is why your health insurance plan must have an OPD cover. Opt for a health insurance plan which offers good coverage for OPD expenses that don’t require hospitalization.
What do the top health insurance with OPD cover? You are covered for diagnostic tests, physician consultation fees, cost of medicines, dental procedures and treatment, health check-up, hearing aids, cost of contact lenses and other eyewear, cost of Paediatrician, Gynaecologist and so on.
See Also: The A - Z of Health Insurance
Children are vulnerable to pollution-related diseases and a mere health insurance plan with OPD cover is not enough. You need a family floater health insurance plan which covers all family members.
Let’s say you and spouse who is in the ’30s; live with your children aged 8 and 5 years. Take a family floater health insurance plan of Rs 5 Lakhs as healthcare is costly in a metro city. The sum assured is shared among family members.
Don’t just look at the health insurance premiums when availing of a health insurance plan. Also check for guaranteed renewability, network hospitals (Is a network hospital near your place), sub-limits, co-pay, waiting period for pre-existing illnesses, sum assured restore benefit or is critical illness and maternity benefit covered.
If you find the right health insurance plan, don’t just look at the premium. You save a lot of money with the right health insurance plan than buying a plan which doesn’t match needs, even if it’s cheap.
See Also: Health Insurance Importance and Features
It’s wise to get health insurance online when you are hale and hearty. If you get a condition like asthma due to air pollution, health insurance premiums increase. The elderly are more susceptible to disease and end up paying high premiums. So, buy health insurance when all family members are in good health.
Health Insurance plans have a waiting period for pre-existing diseases. The waiting period passes effortlessly if you avail health insurance at a young age when you are in peak health.
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