How Health Insurance is Helpful in Respiratory Disease?

Health Insurance for Respiratory Disease

Growing urbanization, poor infrastructure, global warming, worsening pollution levels, toxic air quality, and smoking are contributing to increasing respiratory conundrum. Patients with chronic obstructive pulmonary disease (COPD), asthma, lung cancer, etc. require the right treatment, regular doctor visits, and continuous treatment that involves high cost. As every year, the rate of medical inflation consistently exceeding it will become difficult for common mass to bear the on-going treatment costs. Therefore, the right health insurance plan is the need of an hour. It’s wise to invest in a health insurance plan that becomes your partner and ensure that your health is well-managed. Below we have some points that show how health insurance is helpful in respiratory diseases.

Coverage for Pre and Post Hospitalization Expenses

Thankfully, health insurance gives coverage for pre and post hospitalization expenses such as doctor’s fees, room rent, diagnosis, medicines, therapies, daily allowance, ambulance, etc. You get the claim in the form of a cashless facility or reimbursement for these expenses. So, you do not need to spend a single rupee from your pocket. You can save your hard-earned money and focus on your retrieval. 

Cashless Hospitalization

A health insurance cover avails you the immediate treatment, without getting into the cumbersome formalities of depositing cash at the counter of the hospital. The best part of having health insurance is you do not need to worry about cash during a medical emergency. You can start your treatment even if you have no cash.

Cover for Recurring Costs

People diagnosed with chronic illnesses have some regular medical expenses. They need to go for regular check-ups, medication, and treatments. An exclusive individual health insurance policy covers the recurring medical costs that occur due to on-going treatments of such diseases. Therefore, it ensures the best possible treatment in the present and even after retirement. 

Annual Health Check-Up

You can keep track of your breathing and lungs with health insurance. It provides you full check-ups  annually. This benefit can save your lot of money on diagnosis and tests comparatively to market prices every year and alarm you if there is any sign of a respiratory problem.

Tax Benefit

If you are a working professional, then you are eligible for tax exemption, under section 80 D, of the Income Tax Act 1961. According to this act, premiums paid for health insurance for self, dependent parents, children, and spouse get the tax exemption up to Rs.50,000. However, the taxable amount is subject to your income and age of the insured. It reduces your taxable income.

Financial Security

Without being dependent on anyone, you can carry on your treatment to combat respiratory illnesses. From treatment to consultation, regular doctor visits, and therapies, all expenses will be covered in your health insurance policy. You do not need to worry about your treatment expenses. You can easily afford the best treatment and focus on your recovery.

Suggestion

Therefore, if you or your loved ones are already diagnosed or have symptoms of respiratory disorders, then better to get secure with a comprehensive health insurance plan. Check the plans offered by Care Health Insurance for maximum coverage with an affordable premium. These are the hand-picked insurance solutions that cater to your on-going healthcare needs so that you can stay fit and breathe healthily.

>> Also Read 5 types of Health Insurance Plan that you Must Opt Right Now

Disclaimer: Underwriting of claims for Respiratory Diseases subject to policy terms and conditions.