Health Insurance for High Blood Pressure
Taking care of high blood pressure is something you have to do for many years, often including visits to the doctor, using medicine as needed and making changes to your daily life. In India, the financial cost of this condition often feels too heavy for many people. The right insurance coverage for high blood pressure can help, as it provides you with valuable care minus the additional worry about medical costs.
Getting to Know High Blood Pressure
When the pressure of blood pushing on your artery walls is always greater than normal, this is known as high blood pressure. As pressure keeps rising over the years, it can bring on serious medical issues such as heart disease, stroke or kidney problems. It is referred to as a “silent killer” because early signs are generally hidden until the disease is much advanced.
Kinds of High Blood Pressure
- Primary (Essential) Hypertension occurs gradually and most often has no clear reason. Things such as your genetic background, poor nutrition and not being physically active increase the chance of getting it.
- Secondary Hypertension is caused by other conditions such as problems with the kidneys or hormones. Correcting the major factors usually aids in the control of blood pressure.
Who Should Think About Getting Health Insurance for High Blood Pressure?
If you learn that you have hypertension or know your family has a history of it, you should check if your health insurance covers it. Good blood pressure management shouldn’t stop you from considering insurance; unpredictable issues can always happen, making insurance especially helpful.
Why Health Insurance Is Helpful for Hypertension?
- Check-ups with your doctor help keep blood pressure closely supervised and treatments updated.
- Antihypertensive drugs may become expensive, especially as they are taken for a long period. Purchasing insurance can ease your wallet and allow you to handle these costs.
- Hospitalization may be required when treating hypertensive emergencies or their serious side effects. During tough situations, insurance offers you financial support.
- Regular tests such as blood work, ECGs and tests of kidney function are often needed in their treatment. Insurance policies are available to take care of these repeat expenses.
Top Health Insurance Plans for High Blood Pressure in India
| Insurance Plan | Sum Insured | Entry Age | Waiting Period |
|---|---|---|---|
| Aditya Birla Activ Health Platinum Enhanced | Up to ₹2 Crore | 91 days onwards | 2 years |
| Star Comprehensive Insurance Policy | ₹5 Lakh to ₹1 Crore | 18 to 65 years | 3 years |
| Niva Bupa ReAssure 2.0 Plan | ₹3 Lakh to ₹1 Crore | 18 to 65 years | From day 1 |
| ManipalCigna ProHealth Prime Insurance Active Plan | ₹3 Lakh to ₹15 Lakh | 18 to 70 years | 90 days |
| SBI Arogya Supreme Plan | ₹1 Lakh to ₹5 Crore | 18 to 65 years | 90 days |
| Reliance Health Infinity Insurance Plan | ₹3 Lakh to ₹5 Crore | 18 to 65 years | 3 years |
| Tata AIG Health SuperCharge Plan | ₹5 Lakh to ₹20 Lakh | 18 to 65 years | 30 days – 4 years |
| Universal Sompo Supreme Healthcare Plan | ₹5 Lakh to ₹6 Crore | 18 years onwards | 3 years |
| ACKO Platinum Health Plan | ₹10 Lakh to ₹1 Crore | 18 years onwards | No waiting period |
| Raheja Health QuBE Plan | ₹1 Lakh to ₹50 Lakh | 18 to 65 years | 3 years |
How to buy Health Insurance for Blood Pressure?
- Figure out the amount of health insurance you should buy according to your current and likely future health.
- Check out several insurance companies online and review their policies for information on how much insurance you get for your money.
- Look for instructions on how each plan addresses conditions you may have already such as hypertension.
- Talk to insurance experts to solve any uncertainties and ensure you pick the right plan.
- Be sure to carefully examine the policy papers before you sign, to check what is and is not covered.
Ways to Control High Blood Pressure
- Consume meals that include lots of fruits, vegetables, whole grains and lean protein. Cut down on the amount of salt and saturated fats you eat.
- Make sure to exercise for 30 minutes or more every other day.
- Monitor Your Blood Pressure Regularly: Check your readings to discover when they change and why.
- Limit or avoid alcohol and don’t use tobacco because both substances can lead to higher blood pressure and influence medications.
- Handle stress by relaxing through for example meditation, deep breathing or yoga.
Frequently Asked Questions
1. May I apply for health insurance if I have high blood pressure?
Many insurance companies offer plans that cover hypertension, but you may have to wait some time before your coverage starts.
2. What does the waiting period mean in health insurance?
This is the period after getting the insurance, during which pre-existing problems aren’t included in the plan. The way this period is handled changes from one insurer to another.
3. Is it possible to find plans without a waiting period for hypertension?
With some policies such as the ACKO Platinum Health Plan, you are covered immediately from your first premium payment. But, they generally require paying higher premiums.
4. Is health insurance intended to cover expenses for medicines for high blood pressure?
Most comprehensive plans will cover medical bills, especially those resulting from prescriptions for medication in hypertension treatment.
5. How do my daily habits affect my health insurance prices?
Premiums may be higher for people who smoke, eat an unhealthy diet or lead a lifestyle without enough exercise.