1800 425 2255What is Hypertension?
Hypertension is one of the most common chronic disorders and a significant risk factor for various illnesses.
The normal blood pressure of an adult is considered to be 120/80 mm Hg. Blood pressure above 120 and up to 129 mm Hg systolic and under 80 mm Hg diastolic is considered elevated blood pressure, which means you have a greater risk of developing high blood pressure or Hypertension later on.
High blood pressure can be dangerous to your health in many ways. Over time, it can harm your vital organs, including your heart, kidneys and brain. Hence, effective management of high blood pressure is pivotal for a healthy lifestyle.
There are usually no warning signs of high blood pressure. This is why it is known as the ‘silent killer.’ Many people are unaware that they have high blood pressure since there are no symptoms.
However, early detection of Hypertension aids in reducing the risk of heart disease, Stroke, kidney damage and many more.
Why is Health Insurance important, especially for people diagnosed with Hypertension?
The actual cause of High Blood Pressure – Hypertension is largely unknown. But the following factors play a major role:
- Unhealthy lifestyle – Poor diet and lack of physical activity
- Overweight
- Stress
- Age
- Habits – Smoking and alcohol consumption
- Family history and so on.
The recent pandemic COVID-19 situation has also increased the stress levels of many.
When you suffer from such a medical condition, you need frequent doctor consultations, medical check-ups and treatment. However, the recurring expenditure on Doctor’s visits, diagnostic procedures, purchase of medicines, as well as treatment expenses in case of hospitalisation can be financially draining, more so due to the rising medical costs.
Therefore, it is important to ensure that you get adequately covered in a Health Insurance plan covering Hypertension.
Some of the primary reasons why Health Insurance becomes necessary for people diagnosed with Hypertension include:
Increasing medical costs
Not giving timely medical care to those diagnosed with Hypertension may lead to complications such as Stroke, Cardio Vascular Disease, Kidney Disease, etc. Therefore, the severity and cost of treatment increase, which may deplete your lifelong savings.
Quality treatment needed
Accessibility to quality healthcare and affordability to meet the cost of treatments are the need of the hour. A good Health Insurance plan with a wide range of network hospitals can help meet such needs.
Waiting period
It is always advisable to get covered in a Health Insurance plan when you are young and healthy. This is because a person with Hypertension (a Pre-Existing Disease (PED)) will have to complete a specific Pre-Existing Disease Waiting Period to become eligible to get coverage for the same.
Coverage for Hypertension in Star Health Insurance Plans
Star Health Insurance offers unique Health Insurance Policies providing extensive coverage for treatment expenses incurred on Pre-existing Diseases and their complications with specific waiting periods.
In addition, Star Health Insurance also offers Chronic Condition Management Program in most of the Health Insurance policies. This Program will help the policyholders suffering from Hypertension to track their health through the empanelled wellness experts, who will guide them in maintaining/improving their health condition.
Star Comprehensive Insurance Policy provides wholesome benefits for those suffering from Hypertension. This policy covers any pre-existing Hypertension after a waiting period of 36 months. Some of the coverages are pre- and post-hospitalisation expenses, including diagnostic expenses, medical consultation as an Out Patient, hospital cash benefits, organ donor expenses, wellness reward benefits and many more.
The highlighted benefit of this policy is PED buy-back. That is, on payment of an additional premium, the policyholder can get a reduction on the waiting period with respect to Pre-existing Diseases (PED) from 36 months to 12 months.
For more details on the plan, you can refer to the policy document.
FAQ’s
Is hypertension covered in insurance?
Yes, hypertension, also known as high blood pressure, is typically covered under health insurance plans. For more information, contact your respective health insurance company.
Is hypertension a pre-existing condition for insurance?
Yes, hypertension is typically considered a pre-existing condition for insurance purposes. This means that if you have been diagnosed with hypertension before applying for a insurance policy, the insurer may take this into account when determining your premium and coverage.
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The Information including but not limited to text, graphics, images and other material contained on this blog are intended for education and awareness only. No material on this blog is intended to be a substitute for professional medical help including diagnosis or treatment. It is always advisable to consult medical professional before relying on the content. Neither the Author nor Star Health and Allied Insurance Co. Ltd accepts any responsibility for any potential risk to any visitor/reader.