Air Pollution Driving Up Health Costs: Choose Comprehensive Insurance

Published By: Business Standard​

Published Date: 05-11-2024

Air pollution is a dominant health concern in northern states of India, especially during winter. This results in increased illness occurrence and expenses arising from their treatments. While India is moving towards economic growth and advanced industrialisation, city life exposes citizens to pollutant levels of PM2.5.

High levels reduce life expectancy and increase the occurrence of pollution-related health issues. Thus, the best way to tackle this is to invest in a comprehensive health insurance plan. Currently, there are no plans that offer broad coverage for respiratory illnesses caused by air pollution. However, many plans now include asthma or COPD coverage in regular plans with add-ons for specific coverage. Additionally, pre- and post-hospitalisation and ICU coverage help during the treatment of such conditions.

While expanding on this, Rakesh Jain, CEO of Reliance General Insurance, highlighted the impact of high air pollution levels on pre-existing conditions. He explained pollutants can cause serious conditions like atherosclerosis and heart disease.

Since it worsens the condition, he further stated that comprehensive insurance plans such as Reliance Critical Illness policy are a must. To ensure that your chosen plan provides the protection you require, check the policy inclusions and exclusions. Key inclusions such as AYUSH coverage, in-patient treatment, domiciliary expenses, OPD charges, etc., are crucial for overall protection.

So, investing in comprehensive health insurance plans that offer adequate financial protection is the key to reduced stress. Buy policies early to receive the insurance benefits when they are most needed.