When it comes to cities with the worst air quality, you will find several Indian cities on that list. The quality of air in major Indian cities, especially the capital is getting worse day by day. If the government will not take any strict actions to reduce air pollution, situations may get out of hand in the future. Air pollution leads to some severe respiratory diseases such as Asthma, Pneumonia, and Chronic Obstructive Pulmonary Disease. Air pollution can cause several chronic diseases, and this is why it advisable to take precautions before the situation goes out of hand.
Wearing face masks when going out, reducing the use of vehicles, using air filters at home, etc can help in the reduction of air pollution. However, you should also be prepared for the worst situation, and what is the best way of preparing for the worst situation than buying health insurance online. Health insurance will take care of you the expenses that may arise due to a medical emergency. If you are diagnosed with respiratory disease and you have already bought the health plan, then you will be eligible for the following benefits:
OPD Cover
Many people report respiratory problems, such as cough, chest infection, and sneezing. These are the most common symptoms showed by a patient who does not have any pre-existing disease. Air pollution, especially after the auspicious occasion of Diwali can lead to out-of-pocket expenses. So, you should opt for a health plan that offers a good OPD cover as an add-on.
Cashless Mediclaim
Constant exposure to toxic air can lead to Chronic Obstructive Pulmonary Disease (COPD), asthma attacks, and heart attacks. Such a medical condition requires immediate hospitalization. In that emergency situation, the family of the insured patient doesn't need to worry about the finances as they can admit the patient to one of the network hospitals of their insurance provider. All the expenses will be directly settled between the hospital authorities and your insurance provider. So, before you opt for health insurance, look for the list of that insurer's network hospitals in your locality. All you need to do is focus on your recovery as everything else will be taken care of.
ICU Charges
People that are more prone to respiratory diseases are senior citizens, new-borns, children, and pregnant women. Being more prone to such diseases, they may need to get admitted to the intensive care unit in the worst case. Several health plans come with the benefit of ICU expenses cover. So, before you buy a health plan, make sure you check in detail and read all the policies and terms and conditions related to the plan.
Critical Illness Cover
People who are already suffering from chronic diseases like diabetes and hypertension are at higher risk of attaining respiratory disease due to toxic air. Opting for a health plan with a critical illness cover will minimize financial risks during medical urgencies. This critical illness cover has ambulance cover, organ donor cover, air ambulance, and alternative treatments.
Due to the rise in air pollution, it is high time to get insured with a health plan, so that you not only can protect yourself but your loved ones too in case of a medical emergency.
