Buying Health Insurance Plan for Hypertension(BP) Patients?

India has been witnessing a surge in the number of hypertension cases in the country since the last few years. While some of these cases can be blamed on genetic factors, most of them can be attributed to bad lifestyle habits. Let’s delve deeper into this deadly disease, also known as the ‘silent killer’.

Commonly known as High Blood Pressure (BP), this ailment causes a high pressure of blood flow on the arteries. The normal range of blood pressure is 120/80 mmHg on the higher side and 90/60 mmHg on the lower side. Above 120/80 mmHg is categorised as high blood pressure or hypertension.

Patients suffering from hypertension can develop serious heart and kidney conditions which could turn fatal if not treated in time. Kidney failure and heart attack are the common deadly effects of this ailment. People suffering from hypertension are required to make considerable lifestyle changes and go through lifelong disease management to keep the BP levels under check.

While a comprehensive health insurance policy can surely protect you against the big hospital bills, hypertension needs lifelong disease management which can be outside the purview of a standard policy that only covers hospitalisation expenses.Expenses such as frequent doctor visits, regular diagnostic tests such as MRI or CT scans, and taking medications are some of the extra costs associated with the disease. A BP health insurance policy , however, will provide wider coverage and not just cover the hospitalisation expenses. Some types of expenses covered by such a policy apart from hospitalisation expenses are:

1. Doctors consultation charges
2. Medicine costs
3. Diagnostic tests

When buying a health insurance policy, you should consider a few essential factors such as;

1. The sum insured
2. The terms and conditions
3. Limits and sub-limits
4. And more.

Lastly, choose a reliable insurance company that offers customised insurance solutions to meet your needs better.

The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.