High blood pressure is a common chronic condition, often known as the “silent killer.” But what causes it? The primary factor contributing to hypertension is stress. People are so busy in their lives these days that they have forgotten to take care of their health. Managing hypertension necessitates ongoing medical attention, lifestyle changes, and, in some cases, urgent medical interventions. This is where having the best health insurance plan becomes crucial, providing financial protection against unforeseen health complications.
Understanding Hypertension
Hypertension is also known as high blood pressure. It is caused by persistently high blood pressure, which affects the body’s arteries. High blood pressure causes the heart to work harder to circulate blood in the body. You can measure it in millimeters of mercury (mmHg). According to healthcare professionals, blood pressure less than 120/80 mm Hg is deemed to be normal. High blood pressure can lead to severe medical conditions such as heart disease, stroke, kidney failure, and vision loss. The medical treatment for such conditions can be expensive and can put a significant financial strain on you if faced alone. This is why investing in health insurance in India is highly recommended.
What are the Causes of Hypertension?
Along with stress, there are many other contributors to high blood pressure. It’s essential to know about the causes, as it will help in effective management. Some of the factors that contribute to hypertension are mentioned below:
- Poor lifestyles, including unhealthy eating habits, irregular sleep schedules, smoking, and drinking alcohol, are all contributors to hypertension.
- Hormonal disorders like hyperthyroidism, primary aldosteronism, paraganglioma, and more can have a significant impact on your blood levels.
- Consuming excess sodium can cause the body to retain water, leading to increased blood pressure.
Need for Health Insurance for Hypertension Patients
Since stress is so common these days, there is a high chance that it may go unnoticed.
This “silent” nature of the condition makes it essential for you to have health insurance for parents that covers the cost of long-term care, medications, and any medical emergencies that may arise.
Let’s explore a few more reasons that highlight the need for the best health insurance plans in India for hypertension.
- Hypertension requires ongoing treatments through medications and regular check-ups. The best health insurance plans in India can help cover the cost of regular blood pressure medications, which can be expensive over time. Without insurance, the burden of these recurring medical expenses can become financially draining.
- High blood pressure increases the risk of life-threatening medical conditions like heart attacks, strokes, and kidney failure. High medical expenses can increase your financial burdens; however, the best health insurance policy will help cover your hospitalisation, surgeries, and other emergency expenses, providing you with peace of mind.
- If you are someone with high blood pressure, the necessity for regular medical attention is well understood. Whether it involves consultations with healthcare professionals or medications, the expenses associated with treatment can be significantly reduced by investing in the best health insurance policy. These insurance plans typically include coverage for specialists like cardiologists and provide access to essential quality care, including diagnostic tests that can be expensive without insurance.
- The best health insurance plans in India include preventive care benefits like annual health checks and screenings. It helps in the early detection of diseases before they cause extensive damage. To avoid hypertension complications, you must take health insurance planning seriously and should opt for the best health insurance policy with wellness benefits.
How to Choose Health Insurance for Hypertension?
There are various insurance options in the market, making it challenging to choose the best fit. Therefore, when choosing the best health insurance policy for high blood pressure, consider the following factors:
Coverage
Every insurer offers different coverage levels. You must review the policy to understand what is covered and what is not under your policy to avoid surprises in the end.
Network Providers
Ensure your insurance provider includes reputable healthcare facilities. Using in-network hospitals reduces your out-of-pocket costs, offering financial security.
Claim Settlement Ratio
When choosing high blood pressure insurance, this is one of the most important considerations. Before finalising the policy, check the insurer’s Claim Settlement Ratio (CSR). It is a metric that indicates the successful number of claims made in a given financial year.
Waiting Period
Look for policies with lower waiting periods for pre-existing diseases such as hypertension. This is extremely beneficial during medical emergencies.
Wrapping Up
Hypertension is a serious condition that requires ongoing medical treatments. With the increasing costs of healthcare and growing awareness of health management, the health insurance best plan is essential. Whether it’s covering regular medications, emergency hospitalisations, or specialist consultations, health insurance planning is essential for managing the financial impact of hypertension.
If you are looking for the best health insurance plans in India, consider Niva Bupa. It provides a wide range of policies designed to support you with chronic conditions like hypertension, ensuring financial security and quality healthcare.
