Counter Smog-Related Health Issues with the Right Insurance

Published By: Zee Business

Published Date: 26-12-2022

Winter smog is spreading across India, affecting not just northern states but also cities like Mumbai, Kolkata, Kanpur and Patna. This air pollution stems from crop burning, vehicle emissions, construction dust and cooler temperatures. Many people are experiencing respiratory problems, breathing difficulties, asthma and throat irritation as a result.

With rising medical costs—lung transplants alone can cost between Rs 35-40 lakh—proper health insurance is essential. Rakesh Jain, CEO of Reliance General Insurance, recommends selecting insurance with sufficient coverage for major medical expenses, including organ transplants and pre- and post-hospitalisation costs. Key insurance features to consider include Organ Donor Coverage, which covers expenses for harvesting organs from donors if transplants become necessary. Pre/Post-Hospitalisation Coverage pays for tests before surgery and follow-up care afterwards. Cashless Treatment eliminates the need to arrange cash or handle paperwork during emergencies. Hospital Cash provides money for various additional hospital expenses.

A Reduced Waiting Period for Pre-Existing Conditions shortens the time before coverage begins for existing respiratory or lifestyle conditions. The Double Cover Add-on offers twice the coverage for claims, providing extra financial protection against rising healthcare costs. Unlimited Sum Insured Reinstatement restores your base coverage amount whenever it's depleted during the policy year.

With these features, people can better protect themselves financially while ensuring access to quality healthcare for smog-related health issues. As air quality continues to worsen throughout major cities in India, posing a danger to public health and increasing the need for healthcare, it is becoming more important to have the appropriate insurance coverage.