Health Insurance for High BP (Hypertension): Plans & What's Covered

Health insurance for hypertension, such as My Health Care Plan and Bajaj General Health Guard Plan, can help you easily manage the high costs of treating the disease. They are necessary to fight against the medical inflation and the prevalence of hypertension in India.

Let us explore the key inclusions and exclusions of health insurance policies for hypertension.

Do Health Insurance Plans Cover Hypertension Treatments?

Yes, most of the Indian health insurers offer health insurance for hypertension. You can easily cover the high costs of hypertension treatment if you have health insurance. You can reimburse all expenses related to diagnostic testing under these plans.

Here are some of the health insurance plans that provide coverage for high blood pressure:

My Health Care Plan

Bajaj General Insurance's My Health Care Plan provides a customised health insurance plan tailored to your individual requirements. You can personalise coverage with this plan, giving you the freedom to choose individual or family floater options.

It meets a variety of healthcare needs and budgets, with total insured values ranging from ₹3 lakh to ₹5 crore.

Bajaj General Health Guard Plan

Bajaj General Insurance offers a comprehensive health insurance plan called Health Guard that covers medical costs arising from diseases such as hypertension. It comes with 3 versatile plan options: Silver, Gold, and Platinum.

Each of them offers a variety of benefits and sum insured levels, making this insurance designed to accommodate various lifestyles and demands.

Also Read: HMO, PPO, and EPO: What's the Difference?

Why is Health Insurance Necessary for High Blood Pressure?

Buying health insurance for hypertension is necessary due to a lot of reasons, such as the rising medical inflation and the high prevalence of hypertension in India. Let us understand why you should purchase health insurance for high blood pressure in more detail:

High Prevalence of Hypertension in India

According to The Times of India, 21% of Indians suffer from hypertension or high blood pressure levels. These figures demonstrate how prevalent hypertension is in India and how many of us are at risk of getting it.

However, those who have a high BP insurance plan might continue to be financially secure even if they are later diagnosed with the condition.

Rising Treatment Cost of Hypertension

An average-paid individual now finds it difficult to cover medical costs associated with hypertension, such as doctor fees, hospital stays, costly medications, diagnostic tests, and so on, due to medical inflation.

In addition, more and more individuals are choosing private hospitals for high-quality medical care. Investing in a health insurance plan allows patients to receive the best possible care by covering not only hospital stays but also nursery expenses.

What are the Health Insurance Coverage Inclusions and Exclusions for Hypertension?

Health insurance for hypertension provides coverage for:

Inclusions

Hospitalisation Expenses

It covers all day care treatments, surgeries, and inpatient hospital stays, including room rent options.

Pre- and Post-Hospitalisation Expenses

According to the insurance terms, it covers pre-hospitalisation costs for up to 60 days and post-hospitalisation costs for up to 90 days.

Out-Patient Treatment Expenses

In addition to pathology, radiography, and yearly preventative health examinations within predetermined bounds, health insurance for hypertension covers doctor consultations at their office or online.

Advanced Treatment Charges

This policy also reimburses any medical costs incurred during cutting-edge treatments and contemporary technology procedures.

Domiciliary Hospitalisation Cost

If hospital beds are unavailable or the patient cannot be transferred to the hospital, it covers medical costs incurred during at-home care as directed by the doctors.

Also Read: What's Considered a Healthy Blood Pressure Range?

Exclusions

However, most of the top health insurers in India exclude the following circumstances from health cover for BP patients:

Initial Waiting Period

Health insurance for hypertension does not cover treatment costs for the first 30 days, excluding care for unintentional accidents.

Pre-Existing Disease

Treatment costs for pre-existing conditions, including diabetes, asthma, thyroid, and other pre-existing diseases, are not covered until 12, 24, or 36 months after the date of your first health insurance plan.

Treatment for Self-Inflicted Acts

Medical costs associated with hypertension due to drunkenness and dangerous activities are not covered under this plan.

Dietary Supplements

Health insurance plans also do not cover the cost of supplements, such as vitamins, minerals, and organic products, purchased as part of treatment without a prescription from a licensed physician.

Managing hypertension needs frequent medical care and financial planning. Purchase My Health Care Plan from Bajaj General Insurance for complete health coverage and peace of mind.

Factors to Consider While Purchasing Health Insurance for High BP

While purchasing health insurance for hypertension, you need to consider factors like

Your Needs

Consider your family's and your healthcare demands while buying a health insurance policy. You may choose the insurance that offers the greatest coverage for hypertension and other related disorders with the help of this evaluation.

Network Hospitals

Make sure the health insurance company has a strong network of hospitals, including departments for heart and hypertension. Proper management of hypertension undoubtedly requires high-quality care.

Terms and Conditions

To understand the terms and conditions, carefully read the policy. Important elements include the insurance's coverage limitations, exclusions, and claim-filing process.

Also Read: Underwriting in Health Insurance Explained

Final Thought

Individuals over 55 who have a family history of high blood pressure, diabetes, or heart disease should think about purchasing health insurance for hypertension. High blood pressure can lead to long-term health consequences if left untreated.

Choose Bajaj General Insurance's Health Guard Individual Policy to safeguard yourself financially against unforeseen medical bills.

Frequently Asked Questions

How do insurers verify if high blood pressure is a pre-existing condition during a claim?

Insurers check your past medical records, doctor prescriptions, and diagnostic history during claim underwriting to verify the original date of diagnosis.

What does hypertension health insurance in India depend on?

The plan's coverage specifications, particularly the waiting period for pre-existing conditions, and the individual's health profile, are among the numerous factors that affect health insurance for hypertension in India. The type of hypertension, its severity, and whether it is a consequence of another condition mostly determine the coverage.

Before purchasing health insurance, is a medical examination necessary?

Yes, particularly if you have pre-existing medical issues or are older than a certain age.

Will a person with hypertension pay a higher premium?

Since insurers consider it a higher risk, it may be slightly higher priced. However, this differs from insurer to insurer.

Does health insurance for hypertension cover emergency treatments for a sudden hypertensive crisis?

Yes, emergency hospitalisation, ICU stays, and immediate medical interventions required during a hypertensive crisis are fully covered under these comprehensive plans.

Can a waiting period waiver rider be added to reduce the waiting periods for a high BP insurance plan?

Yes, many insurers offer optional premium riders that reduce or completely waive the standard waiting period for declared hypertension from day one.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.