Health insurance is a broad term for covering your financial costs against medical treatments. But some medical issues like hypertension might seem insignificant to be covered under your health plan. Hypertension, or commonly known as high blood pressure, can be risky. If you suffer from this condition, you must be aware that it requires frequent treatment. Since it requires regular treatment, it is important to consider including hypertension in your health insurance coverage.
In this article, you will learn more about health insurance for hypertension patients. Also, how you can reduce the financial loss by getting health insurance for hypertension.
What is hypertension?
Hypertension is a medical condition in which a patient’s blood pressure remains consistently high. If left untreated, it can lead to heart failure, stroke, or artery disease. A normal human blood pressure is 120/800 mmHg. Blood pressure in hypertension ranges from 130-139 mmHg (systolic) or 80-89 mmHg (diastolic).
What are the types of hypertension?
Following are the four types of hypertension that may take a toll on your physical as well as mental health:
1. Primary hypertension (essential hypertension)
It is found in 90 percent of hypertension patients. The cause of this is unknown. After a few blood tests, an accurate diagnosis may be obtained. The patients have no significant symptoms. Some people may experience dizziness, headaches, fatigue, or nosebleeds on a regular basis.
2. Secondary hypertension
The main cause of this hypertension is a problem with the arteries that supply blood to the kidneys. Other causes include tumors and adrenal gland diseases. Some people may have thyroid disease, hormonal imbalances, or sleep disorders. Hypertension can also be caused by consuming too much salt or alcohol. Over-the-counter medications such as pseudoephedrine and ibuprofen can cause secondary hypertension.
3. Malignant hypertension
Patients with Malignant Hypertension frequently have high blood pressure. It may necessitate immediate medical attention. Chest pain, numbness in the arms and legs, blurred vision, confusion, and headache are among the symptoms.
4. Resistant hypertension
If your blood pressure remains high despite medication, you may have resistant hypertension. It is found in 20% to 30% of people with high blood pressure. It is usually caused by genetic factors. Obese people and senior citizens may be affected by this condition. People with underlying health conditions (such as kidney disease or diabetes) are also more likely to have hypertension.
Does health insurance cover hypertension?
Under certain conditions, regular health insurance may cover hospitalization for hypertension. Certain aspects of your health insurance policy may be excluded (like OPD consultations and medications, etc.). Please contact your health insurance provider to determine the specific coverage provided by your health plan.
When purchasing a policy, you should also consider the waiting period and pre-existing disease clauses. As a result, if you are prone to hypertension, you should purchase health insurance to cover the cost of treatment.
Health insurance for hypertension Patients
In India, health insurance for hypertension covers all aspects of treatment. According to the terms and conditions of your plan, coverage may include the following.
- Cashless hospitalisation: If the patient receives treatment in a network hospital, he or she is eligible for cashless hospitalisation. This is a huge relief because it relieves the burden of arranging funds for hospital bills. It also eliminates the need to file a reimbursement claim.
- OPD expenses: In most cases, hypertension insurance does not cover OPD expenses, which are borne by the patient. Some insurance companies also provide this coverage as optional policy add-ons.
- AYUSH treatment for hypertension includes Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
- Extensive coverage: Hypertension insurance covers all of the costs associated with treatment. It also includes pre- and post-hospitalization or domiciliary expenses.
- Consumable allowance: Similar to hospital cash, it provides cash to meet necessary expenses during hospitalization for a limited number of days, such as transportation, consumables, and so on.
- Ambulance coverage: Your policy will pay for at least one ambulance trip (depending on the terms of the plan). This could be on the way to or from the hospital. You can deduct this expense from your health insurance.
- Annual health examinations: An annual health checkup can aid in the early detection of hypertension. This benefit may be provided by your health insurance company as part of the policy.
- Domiciliary hospitalization: Your doctor may recommend that you receive treatment at home. The setup will be similar to that of a hospital bed, but you will be in a more comfortable environment with your loved ones. The costs can get covered under your health insurance plan.
Why should you have hypertension health insurance?
Medical expenses for hypertension can put a strain on your finances. If your health insurance policy does not cover hypertension, a claim rejection can exacerbate the situation. Consider purchasing a health plan that includes hypertension coverage. This will aid in lowering the financial burden of costly treatment.
How much does hypertension affect a person’s daily life?
Hypertension can cause serious harm to your body long before it is recognized. As a result, treating hypertension is critical because it can be fatal. The following are some of the negative effects of hypertension.
- Arteries Damaged: Hypertension damages the inner lining of your arteries. This is caused by high blood pressure. It may reduce artery elasticity and limit blood flow throughout the body. Constant blood flow from weakened arteries may cause a bulge over time. It has the potential to cause rupture and internal bleeding.
- Coronary artery disease: High blood pressure can cause the coronary artery to narrow. This has the potential to disrupt normal blood flow from the heart to the rest of the body.
- Enlarged left ventricle of the heart: As your heart works harder to pump blood, it enlarges the left ventricle. This increases the risk of heart failure, heart attack, cardiac arrest, and other complications.
- High blood pressure weakens the heart muscle, which can result in heart failure. High blood pressure can cause damage to the brain. Stroke, mild cognitive impairment, dementia, or Transient Ischemic Attack, for example (TIA).
- Kidney damage: High blood pressure can damage the vessels that lead to the kidneys. Glomerulosclerosis (kidney scarring) and kidney failure can result from this.
- Damage to the eyes: The blood vessels in the eyes are delicate and sensitive. The retina can be damaged by high blood pressure. It can cause fluid buildup in the retina, resulting in eye nerve damage. This could result in vision loss.
Things to know if you have hypertension
The causes of hypertension vary. However, if you adopt healthy lifestyle habits, you can live a healthy life even if you have hypertension. Here are some things you should be aware of.
- You can begin by keeping your weight under control. Obesity should be avoided at all costs.
- Eating nutritious foods and lots of vegetables can help a lot.
- Reduce your calorie, sugar, and fat intake while increasing your potassium intake.
- Reduce salty foods because excess sodium raises blood pressure.
- Make physical activity a part of your daily routine, and keep a daily blood pressure log.
In a nutshell
Hypertension is becoming more prevalent considering today’s time due to a fast-paced, sedentary lifestyle. As a precaution, maintaining healthy lifestyle habits can help. Buying a health insurance policy for hypertension will give financial protection. Now you can also buy health insurance online with a few simple steps.