Health Insurance for High Cholesterol

Health Insurance for High Cholesterol

Many people suffer from high cholesterol. Cholesterol is a waxy substance found in your body and cells. The liver and cells produce cholesterol which spreads throughout the body via lipoproteins.

The body needs a small amount of cholesterol to create the cell membranes, produce bile, develop hormones, and boost metabolism.

Cholesterol is dangerous when it crosses normal levels. High cholesterol, also known as hyperlipidemia or hypercholesterolemia, is when your blood has too many lipids.

High cholesterol may be due to unhealthy eating habits and the lack of regular exercise. Remember, a person with high cholesterol is prone to life-threatening diseases like stroke and heart attack. Stroke and heart attack can ruin your savings, and destroy you, financially.

Cholesterol problems are very common in India. You must have a health insurance policy to battle the ill-effects of cholesterol.

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Health insurance for high cholesterol

Costs associated with the treatment of high cholesterol

Treating cholesterol related diseases can be costly. People with high cholesterol spend a lot in consultation fees. Specialist doctors charge even higher rates. Medical expenses rise when the patient gets hospitalized for a longer period of time.

Availing a health insurance policy for high cholesterol is the key to winning the battle against this condition. People with health insurance do not have to worry on the costs of expensive medicines. For example, if you buy a high cholesterol health insurance policy from a reputed insurer, the policy offers complete financial protection against this chronic condition.

Eligibility criteria for high cholesterol health insurance plans

• The minimum entry age is 91 days.
• There is no bar on the maximum entry age.
• Applicants must undergo certain medical checkups to determine the degree of risk.
• The claim process is the same as other health insurance schemes. The insurer will reimburse the amount once the insured submits the medical bills. Cashless facility is also available.

How long does it take to settle a claim?

Claims are settled within a week. Claims may get rejected or delayed when the documentation is not clean. Non-disclosure of facts also leads to claim rejection or delay.

While availing health insurance, people with high cholesterol are likely to face and must answer the following questions:

1. When have you been diagnosed with high cholesterol?
2. Do you smoke or consume tobacco?
3. What type of medication has been prescribed to control the disease?
4. Does anyone from your family suffer from stroke or heart disease or coronary artery disease?
5. Have you recently been diagnosed with high cholesterol?

Is high cholesterol a pre-existing medical condition?

Yes, high cholesterol is a pre-existing medical condition. Insurance companies do specify the waiting period. Even though high cholesterol may not impact physical abilities, it may enhance the chances of developing other health related problems. Declare any cholesterol related complications, before availing health insurance.

See Also: Can I Use Health Insurance Immediately?

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