Livewell: Health Insurance & Wellness Blogs | Niva Bupa
DO ALLERGIES AND HEALTH INSURANCE GO HAND IN HAND?
18 February 2019
WHAT IS AN ALLERGY?
When we become hypersensitive to certain substances and elements in the environment, the condition is called Allergy. These are called allergens and attack our immune system, which leads to various skin infections, breathing problems and other illnesses. In extreme cases, death has been reported due to an allergic reaction.
Allergies can be due to harmless pollen grains, dust, pollution or pet furs. In other cases, it is caused due to bites by certain insects, rodents or other stray animals. Certain medicines or chemicals can trigger an allergic reaction that’s why it’s always important to read the instructions of certain medicines before taking them. Even certain smells and scents can cause allergies.
SO AM I COVERED IF I AM ALLERGIC?
Well, if you end up in a hospital due to allergy, yes you will be covered for your hospitalization expenses. Normal allergies might not be covered in your health insurance plan. It’s always advisable to check for customized health packages or plans for your sickness. This info will help in getting maximum coverage for you in case you need medical emergency or assistance due to an allergic reaction.
WHAT KIND OF INSURANCE PLAN SHOULD I OPT FOR?
That’s a great question considering that there are hundreds of policies out there. You can pretty much get coverage with a regular health insurance policy but here are 3 things that you need to watch out for:
ARE YOU PAYING A PREMIUM OR AT A PREMIUM?
You need to weigh the premium with all the benefits that you’ll enjoy with a particular health insurance policy. If you are allergic, is there any extra premium on the policy?
TERMS AND CONDITIONS APPLY!
This is probably the most important part of any policy. You have to check all the conditions, age limit and other exclusions from a particular policy. If you have an allergy, you’ll need to check what types of allergies are covered or excluded. Is your family covered too for allergies? These are some of the factors that you need to consider.
WHAT’S THE COVERAGE?
Are you getting health coverage for hospitalization or OPD expenses included too? Mostly, allergies will result in plenty of visits to a doctor for consultation. If your OPD expenses are covered, you can breathe easy in regard to your health and wallet too.
SO, IF I AM NOT COVERED FOR CERTAIN ALLERGIES, SHOULD I SKIP HEALTH INSURANCE?
Certainly not. Let’s face it, there might be other medical emergencies for you or your loved ones in the future. In those situations, a health insurance policy can literally save a life and even all your savings. So, always have a health insurance for you and your family. To sum it up, we’d say – don’t be allergic to a health insurance.