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Health Insurance – A Must for People with Hypertension

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Published on September 22, 2021. EST READ TIME: 3 minutes

Our lives have become so fast-paced that lifestyle diseases are very common among most people. The stress of professional life and the pressure of maintaining a work-life balance have given rise to various health ailments. One such condition is hypertension. It is one of the health conditions which seem to be on the rise these days. While proper medication and health check-ups are absolutely necessary, another important thing to deal with hypertension is to have a good health insurance. But to understand the need of a good health insurance for someone suffering from hypertension, we need to understand the disease first.

What is hypertension?

It is a medical condition in which a person's blood pressure increases abnormally. This, it affects blood vessels of the kidney and the heart, which in turn compromises proper blood flow. Hypertension is a medical condition of high blood pressure due to rise in stress and fast-paced lifestyle. It can be one of the primary reasons for heart strokes, heart failure and other cardiovascular ailments. Such uncertain health situations may arise any time. Therefore, people with hypertension must get individual health insurance and be prepared for sudden financial requirements in case of medical emergencies.

What are the different types of hypertension?

1. Primary Hypertension:

In this form of hypertension, blood plasma volume and the function of the hormones responsible for regulating the blood volume and pressure is affected. Some external factors such as stressful jobs, lack of physical activity etc. can also lead to primary hypertension.

2. Secondary Hypertension

Hypertension caused by another medical condition is known as secondary hypertension. It results as an impact from other medical conditions such as diabetes, kidney disease, hyperthyroidism (an overactive thyroid gland), pregnancy, obesity, etc.

Why is health insurance necessary for people suffering from hypertension

• Rising healthcare costs

Healthcare costs are constantly increasing and mainly include pre-hospitalization expenses like consultation fees, hospitalization expenses and post-hospitalization expenses. This requires a large financial sum. Patients with hypertension have the risk of being affected by uncertain medical conditions like stroke etc. During such times, an unexpectedly huge medical bill may affect an individual’s savings.

• Quality of treatment

During health emergencies, people mostly look for quick and quality medical treatment with advance technology. In most cases, private hospitals are equipped more than government hospitals. But, getting treated at a private hospital means you have to spend a much larger sum. Hence, it becomes important that a person remains stress-free when it comes to treatment and that is possible when they take a good individual health insurance policy that focuses on helping to get the best medical treatment rather worrying about the costs.

• Waiting period

Most health insurance policies have a waiting period clause for pre-existing ailments like hypertension. Therefore, it is a wise decision to purchase an insurance policy before one requires hospitalization for something major.

Conclusion

It is always better to have a wide-ranging individual health insurance policy for people in high-pressure jobs. While one cannot control contracting any medical illness, but they certainly one can take precautions to safeguard themselves. HDFC ERGO also a variety of health insurance policies which offer wide-ranging benefits. You can check out the policies here.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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