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The adverse weather conditions and approaching winter makes many of us susceptible to common cold and flu. Those who are in the vulnerable age groups, especially children below 2 years and the elderly, are prone to serious respiratory illnesses like Pneumonia.
Pneumonia is a lung infection caused by viruses, bacteria or fungi resulting in inflammation of the air sacs with fluid thereby causing shortness of breath. It can become life-threatening. Being diagnosed with such an illness may also require hospitalization. However, you need not worry about your treatment or the costs you will incur thereafter. Health insurance plans make things easier, nowadays, as they ensure timely access to quality health care, especially in a medical emergency.
On this World Pneumonia Day, we share with you some vital facts about this illness and how a comprehensive insurance plan will help you march through the recovery period without any hassle.
The common symptoms of Pneumonia include:
Pneumonia patients will be prescribed oral medications viz. antibiotics, depending on the causes, to fight both the infection and the symptoms it has caused. The doctor would also recommend blood tests, chest X-ray, etc. to identify the infection. When the symptoms worsen, it calls for immediate hospitalisation.
Meanwhile, certain basic measures must be taken at home including sufficient rest as well as proper diet and fluid intake.
Having a mediclaim policy for family proves to be highly beneficial in cases where a person falls sick and requires emergency hospitalization. Such policies give quick cashless coverage for medical treatment of the patient so that the family can focus on the treatment rather than on securing finances to pay for the hospital expenses.
Among the various types of health insurance in India, a senior citizen's health plan is a must for any family who has elderly patients with chronic conditions like asthma. The risk of contracting Pneumonia increases further if one is exposed to allergens or has a weak immune system due to some medication say for cancer.
Buying a comprehensive health insurance plan will provide hospitalization coverage that might also include day-care procedures. It is possible that the treatment process might start before the actual hospitalization and continue even after getting discharged from the hospital. This is why many health plans offer the advantage of covering pre and post-hospitalization medical expenses. In some plans, you will also get the option of domiciliary hospitalization cover wherein the patient may undertake treatment at home.
As the old adage goes, ‘prevention is better than cure’ - the ideal way to keep illnesses like Pneumonia at bay is to strengthen your immune system. Vaccination and preventive health care measures are vital in curbing the possibilities of Pneumonia. If you smoke, it is a wakeup call for you as passive smoking can put many lives at risk. More importantly, tackling the air pollution that triggers factors causing Pneumonia is the need of the hour so that tomorrow's generation can breathe in the fresh air.
Disclaimer: Underwriting of claims for Pneumonia is subject to policy terms and conditions.
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