Health Insurance for High Blood Pressure Patients

What is Health Insurance for High Blood Pressure?

Health Insurance for high blood pressure covers medical expenses related to hypertension, including doctor consultations, diagnostic tests, medicines, and hospitalisation. 

What is High Blood Pressure? 

Hypertension, or High blood pressure, is a chronic condition in which the force of blood pushing against the artery walls is significantly elevated. It is diagnosed when blood pressure is usually greater than or equal to 130/80 mmHg. While this condition doesn't show any visible symptoms, it increases the risk of serious heart-related illnesses such as heart attack and kidney failure. 

Read More : Hypertension: Prevention, Causes, and Treatment 

Types of High Blood Pressure 

There are two types of high blood pressure:

Primary 

Also known as essential hypertension, this type develops gradually over many years without a single identifiable cause. Instead, it results from a combination of factors, including ageing, genetics, long-term stress and an unhealthy lifestyle. 

Secondary 

This type of hypertension results from an underlying medical condition. Unlike primary hypertension, it has a specific cause. Some of the most common causes include kidney diseases, alcohol or drug use, hormonal disorders and more. 

Quick Facts about Hypertension Coverage 

Here are the facts you need to know if you’re considering purchasing health insurance for high blood pressure: 

• Hypertension is treated as a pre-existing condition by insurers.
• The waiting period for hypertension is usually 3 years. However, some health insurance plans offer a PED wait-period modification as an additional benefit. 
• Failing to declare hypertension at the time of policy purchase can result in claim rejections or policy cancellations.
• Insurers might charge an extra premium based on your age 

Why is Health Insurance Necessary for People with Hypertension? 

Here are some solid reasons why individuals affected by hypertension should consider purchasing medical insurance: 

Financial Protection against Rising Medical Costs 

According to the Indian Express, India's current medical inflation is around 14% and is expected to rise further. Since hypertension falls among the list of lifestyle diseases that further cause life-threatening complications, it requires hospitalisation and, at times, costly treatments. Securing a health insurance policy helps manage these expenses that would otherwise drain your savings. 

Coverage for Routine Tests 

Effectively managing hypertension requires frequent doctor visits, lab tests and medications- expenses that can burn a hole in your wallet. Health insurance for hypertension helps reduce out-of-pocket expenses by covering outpatient (OPD) costs. 

Ensure Peace of Mind 

Getting diagnosed with hypertension is an expensive affair. Frequent doctor visits, tests and medicines can drain your hard-earned savings. Knowing that you’re covered against all the hypertension-related expenses can help in reducing the financial burden on your shoulders and support speedy recovery. 

Who Should Buy Health Insurance for Hypertension? 

Individuals falling under any of the following categories should consider purchasing health insurance for hypertension: 

• People with diagnosed hypertension
• People with a family history of high blood pressure, diabetes and heart disease 
• People with other chronic conditions like obesity, diabetes, etc.
• Middle-aged or older individuals are at a higher risk of developing the disease.

What’s Covered in Health Insurance for High Blood Pressure?

Here are the aspects covered under health insurance for high blood pressure:

• In-patient hospitalisation 
• Pre and post-hospitalisation 
• Ambulance cover
• Consumables allowance
• Companion benefit
• Health check-up benefit
• Room rent and ICU charges 
• Annual health check-up

Things to Consider While Purchasing Health Insurance for Hypertension 

Individuals with hypertension should consider the following factors before purchasing health insurance for hypertension: 

Waiting Period 

Most health insurance companies impose a 2- to 3-year waiting period before coverage for hypertension-related expenses begins. When comparing multiple plans, select the one with shorter waiting periods or that offers benefits such as PED wait-period modification.

Network Hospitals 

Like other health insurance plans, hypertension-related health insurance allows you to receive cashless treatment at network hospitals. Therefore, choose a policy with a large hospital network, especially in your region, so you don’t have to pay out of pocket in an emergency. 

Sum Insured 

Complications arising from hypertension (kidney disease, stroke and heart attack) can lead to expensive treatments. Therefore, it's necessary to opt for a plan with a higher sum insured of 10-20 lakh to effectively manage your expenses. 

Check for Co-payment Clauses 

Some health insurance policies include a copayment clause requiring you to share a percentage of hospital bills. Before purchasing the policy, check for the co-payment clause and choose a policy with no or minimal co-payment. 

Why Choose Care Health Insurance? 

Here are some solid reasons for choosing Care Health Insurance as your medical coverage provider: 

Access to Quality Healthcare at Network Hospitals 

With a vast network of over 22,100+ hospitals, we ensure access to quality healthcare without upfront payments. 

Comprehensive Healthcare Coverage 

We offer comprehensive coverage, including inpatient care, day care treatment, road ambulance services, organ donor expenses, and pre- and post-hospitalisation expenses. 

Benefits 

You can access a wide range of benefits, including unlimited automatic recharges, annual health checkups, and unlimited e-consultations. 

How to Buy Health Insurance for High BP Online with Care Health Insurance?

Here are the steps to purchase health insurance for hypertension online: 

• Visit the Care Health Insurance Website
• Enter your age, pincode and mobile number 
• Select a sum insured and policy tenure. 
• Go through the list of add-ons and select the one that matches your healthcare requirements 
• A box in the top-right corner will display the premium amount due. Click on continue
• Fill in your details such as salutation, name, date of birth and email address
• Click on submit. You’ll be redirected to the payment page 
• Select your mode of payment and confirm the purchase 

How to Claim Health Insurance for High Blood Pressure?

Here are the steps for claiming health insurance for high blood pressure: 

• For planned hospitalisation, inform us at least 48 hours in advance. For emergency hospitalisation, please let us know within 24 hours. 
• If the treatment was taken at a network hospital, opt for a cashless claim. However, for a non-network hospital, select a reimbursement claim. 
• For a cashless claim, you would need to fill out the pre-authorisation form at the hospital’s insurance desk
• For a reimbursement claim, gather and submit relevant documents, such as hospital bills and the discharge summary, along with the duly completed claim form. 
• We’ll verify your documents and process the claim in accordance with your policy terms. 
• Hospital bills are directly settled in case of a cashless claim, and for reimbursement, the approved amount is reimbursed to your bank account.