Allergies and Health Insurance
21 November, 2022
10 Shares
618 Reads

Share
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.
Secure your Health with comprehensive insurance plans from Niva Bupa
Health Insurance - Health Insurance | Medical Insurance | Best Health Insurance Plans | Health Insurance Plans | Health Insurance Policy | NRI Health Insurance | Best Health Insurance Plans | Best Family Health Insurance | Best Mediclaim Policy | Best Health Insurance In India | Best Medical Insurance In India | Best Health Insurance Plans In India | Best Health Insurance Policy In India | Mediclaim | Best Health Insurance For Senior Citizens In India | Best Health Insurance | Health Insurance With Opd Cover | Mediclaim Insurance | Medical Insurance Plans | Best Health Insurance Company in India | Critical Illness Insurance | Personal Accident Insurance | Mediclaim Policy | Individual Health Insurance | Pregnancy Insurance | Maternity Insurance | Best Family Health Insurance plans in India | Best Health Insurance company | Family Health Insurance | Best Health Insurance plans for Senior Citizens | Mediclaim Policy for Family
Health Insurance Schemes - Chief Ministers Comprehensive Health Insurance Scheme | Employee State Insurance Scheme | Swasthya Sathi Scheme | Pradhan Mantri Matru Vandana Yojna | Government Health Insurance Scheme | Dr. YSR Aarogyasri Scheme | Pradhan Mantri Suraksha Bima Yojna | Health Insurance Deductible | West Bengal Hcovealth Scheme | Third Party Administrator | Rashtriya Swasthya Bima Yojana | In Patient Vs Out Patient Hospitalization | Mukhyamantri Chiranjeevi Yojna | Arogya Sanjeevani Health Insurance | Copay Health Insurance | Cashless Health Insurance Scheme | Mukhyamantri Amrutum Yojna
Travel Insurance - International Travel Insurance | Student Travel Insurance | Travel Insurance USA | Travel Insurance Canada | Travel Insurance Thailand | Travel Insurance Germany | Travel Insurance Dubai | Travel Insurance Bali | Travel Insurance Australia | Travel Insurance Schengen | Travel Insurance Singapore | Travel Insurance UK | Travel Insurance Vietnam | Malaysia Tourist Places | Thailand Visa for Indians | Canada Visa for Indians | Bali Visa for Indians | ECR and Non ECR Passport | Easiest Countries to Get Citizenship | US Visa Appointment | Check Saudi Visa Status | South Korea Visa for Indians | Dubai Work Visa for Indian | Passport Speed Post Tracking | New Zealand Visa Status | Singapore Transit Visa for Indians | Netherlands Work Visa for Indians | File Number in Passport
Become an agent - Insurance Agent | Insurance Advisor | Licensed Insurance Agent | Health Insurance Consultant | POSP Insurance Agent | Work From Home Jobs Without Investment | How To Earn Money Online Without Investment | IRDA Certificate Download | IC 38 Exam
Group Health Insurance - Startup Health Insurance | Commercial Health Insurance | Corporate insurance vs personal insurance | Group Personal Accident Insurance
Top Hospitals - Best Hospitals in Chennai | Top Hospitals in Delhi | Best Hospitals in Gurgaon | Best Hospitals in India | Top 10 Hospitals in India | Best Hospitals in Hyderabad | Best Hospitals in Kolkata | Best cancer hospitals in Bangalore | Best cancer hospitals in Hyderabad | Best cancer hospitals in Mumbai | Best cancer hospitals in India | Top 10 cancer hospitals in India | Top 10 cancer hospital in Delhi | Multi Speciality Hospitals in Mumbai | Multi Speciality Hospitals in Chennai | Multi Speciality Hospitals in Hyderabad | Super Speciality Hospitals in Delhi | Best Liver Hospitals in Delhi | Best Liver Hospitals in India | Best Kidney Hospitals in India | Best Heart hospitals in Bangalore | Best Heart hospitals in India | Best Heart hospitals in Kolkata | Best Heart hospitals in Delhi
Others - Top Up Health Insurance Policy | Corporate Health Insurance | Health Card | Section 80d of Income Tax Act | Ayushman Bharat | Health Insurance Portability | GoActive Family Floater Plan | Health Companion Family Floater Plan | Health Premia Family Floater Plan | Health Pulse Family Floater Plan | Health Recharge Family Floater Plan | Heartbeat Family Floater Plan | Money Saver Family Floater Plan | Saral Suraksha Bima Family Floater Plan | Senior Citizen Family Floater Plan | Super Saver Family Floater Plan | Corona Kavach Family Floater Plan | Hospital Cash Insurance | Cashless Health Insurance | Health Companion Price revision | Heartbeat Price revision | ReAssure Price revision
Health & Wellness - PCOD | PCOD Problems Symptoms | Stomach Infection | Stomach Infection symptoms | Home remedies for Stomach Infection | Hypertension definition | How to Control Sugar | Typhoid in Hindi | Blood sugar symptoms | Typhoid symptoms in hindi | Low sugar symptoms | ब्लड शुगर के लक्षण | pregnancy me kya kare | Open heart surgery cost | Blood infection symptoms in hindi | BP badhne ke karan | Khansi ka gharelu upay | Omicron | Coronavirus Health Insurance | Covid XE Variant | Norovirus