Health Insurance for Respiratory Diseases

Protecting Your Lungs: Health Insurance for Respiratory Diseases

Introduction

For millions of people around the world, respiratory disorders pose a severe threat to their health. Several things, such as smoking, pollution, and hereditary predisposition, can bring on these illnesses.

You may not think about the significance of your lung health until you experience a breathing problem. Your lungs bring oxygen into your body and keep the organs functioning by letting out carbon dioxide from your body. Genetic factors, disease conditions and environmental factors can affect the health of your lungs and cause Respiratory problems.

Why is it essential to have a healthy respiratory system?

Your lung capacity is equivalent to the total amount of air that your lungs can hold. As age advances, your lung capacity and its function typically decrease slowly. The Respiratory system includes your airways, lungs and blood vessels.

The Respiratory system, also known as the pulmonary system, consists of several organs that function as a whole to oxygenate the body through the process of respiration or breathing. As concerns about COVID-19 persist, Respiratory health and how to protect it should be a priority.

Respiratory diseases are conditions that impact the functioning of the lungs and affect other parts of the respiratory system, like the nose, mouth, trachea, etc.

10 Common Respiratory Diseases

There are various lung diseases that cause chronic respiratory conditions. The most common Respiratory Diseases/Lung diseases are:

Asthma
Tuberculosis
Lung cancer
Chronic obstructive pulmonary disease (COPD)
Chronic Bronchitis
Emphysema
Pneumonia
Pulmonary fibrosis/ bronchiectasis
Cystic fibrosis
Pleural effusion

Major causes of Respiratory Diseases

Respiratory Diseases develop due to,

Viral/bacterial infection
Smoking tobacco
Radon, asbestos, and other air pollutants
Others occur as a result of disease or getting older.

4 Common Symptoms of Respiratory Diseases

When you are affected by Respiratory Diseases, everyday activities can be challenging. Even simple life tasks can seem impossible when encountering breathing problems. You could discover that some factors, such as exposure to pollen, dust and scents, make your symptoms worse.

A wide range of symptoms are shared by Respiratory Diseases, such as,

Headache
Fever
Shortness of breath, chest congestion
Soreness and inflammation of the throat

How can you keep your Respiratory system healthy?

You can help keep your lungs working optimally for life if you can incorporate these five habits into each day:

Take deep breathe
Stop smoking
Exercise regularly
Avoid infections, and
Reduce your exposure to pollutants by wearing masks.

Other remedies like lifestyle changes and frequent health check-ups ensure that you have not acquired any of the Respiratory Diseases. Despite taking precautions, at times, you might get affected by respiratory infections, which might result in considerable treatment costs. However, Health Insurance with Respiratory disease coverage can help you stay financially prepared and secure against such critical Respiratory Diseases.

Importance of Health Insurance for Respiratory Diseases

Respiratory Diseases are caused by environmental factors and persist lifelong. They need regular treatment and a doctor’s guidance. Most of these medications and treatment plans are expensive and lead to financial contingencies for those infected.

To be more proactive, one should have a Health Insurance plan in place. Respiratory Diseases cover an array of lung diseases, namely,

COPD
Pneumonia
Pulmonary embolus
Bronchitis
Pulmonary Oedema
Cystic fibrosis/ Bronchiectasis
Pleural effusion
Lung Cancer
Acute Respiratory distress syndrome
Interstitial lung disease

You may be prone to such disease at any part of your life and may face heavy medical bills with ongoing treatments, which may add to your burden. It is high time to get insured with a comprehensive health plan and stay worry-free, as it covers the treatment cost and other related medical expenses for Respiratory Diseases.

Star Health offers specially designed Health Insurance policies covering hospitalisation and other treatment-related expenses for many chronic respiratory and lung diseases.

Star Health Assure Insurance Policy covers chronic respiratory diseases such as Asthma and COPD. For more details on the coverage of the policy, read the policy clauses and wordings.

Health insurance is essential for individuals with respiratory disease, as it can help cover the cost of medical treatments and medications.

In addition, a health insurance plan can ease payments and ensure a range of benefits in case of respiratory diseases.

Star Health Insurance

One of India's top health insurance companies is Star Health Insurance. Individuals with respiratory problems may benefit from the company's selection of health insurance coverage.

Here are some of the benefits of Star Health Insurance:

Cashless Hospitalisation:

Star Health Insurance offers cashless hospitalisation at over 14,000 network hospitals across India. This means that policyholders can receive medical treatment without having to pay upfront.

Coverage for Pre-Existing Conditions: Star Health Insurance covers pre-existing conditions, including respiratory diseases. This means that individuals with respiratory diseases can get coverage for medical treatments and medications.

Additional Benefits: Star Health Insurance offers other benefits, such as coverage for ambulance charges and pre and post-hospitalisation expenses.

Tips for choosing the right health plan for Respiratory Disease

Choosing the right health plan for respiratory disease is essential to ensure that you get the coverage you need. Here are some tips for choosing the right health plan:

Check Coverage for Pre-existing Conditions: Make sure that the health plan you select covers pre-existing conditions, including respiratory diseases.

Check Network Hospitals: Check the list of network of hospitals in your area. This will ensure that you can receive cashless hospitalisation if needed.

Check Additional Benefits: Look for health plans that offer additional benefits, such as coverage for ambulance charges, pre-hospitalisation, and post-hospitalisation expenses.

Compare Plans: Compare different health plans to find the one that offers the best coverage for respiratory diseases at an affordable price.

Conclusion

Respiratory diseases constitute a significant health concern for millions of people worldwide. It is important to understand that health insurance can help individuals with respiratory diseases by covering the cost of medical treatments and medications.

HELP CENTRE

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FAQ

Does Star Health Insurance cover treatment for acute respiratory infections?

Star Health Insurance covers chronic respiratory diseases such as Asthma and COPD but does not cover acute respiratory infections such as Bronchitis. However, Star Health Insurance covers other disorders, such as COVID-19, a respiratory illness.It is recommended to check the specific policy details or contact Star Health Insurance to confirm coverage for acute respiratory infections.

What is the process for filing a claim for treatment of acute respiratory infections under Star Health Insurance?

In planned hospitalisation, the insured should give prior intimation about the treatment and obtain cashless claim authorization. In emergency hospitalisation, the insured should be rushed to the hospital to avail treatment, and then the claim documents have to be submitted to the company within 15 days from discharge.The documents required for cashless claim submission by the hospital should be submitted in the original, other than the Health Card.It is recommended to contact Star Health Insurance directly or refer to the policy documents for more information on the claims process for acute respiratory infections.

Does Star Health Insurance cover treatment for acute respiratory infections?

It is recommended to check the specific policy details or contact Star Health Insurance to confirm coverage for acute respiratory infections.

What is the process for filing a claim for treatment of respiratory diseases under Star Health Insurance?

The claims process for hospitalisation and in-patient treatment is outlined on the Star Health Insurance website. In planned hospitalisation, the insured should give prior intimation about the treatment and obtain cashless claim authorization. In emergency hospitalisation, the insured should be rushed to the hospital and avail treatment, and then submit the claim documents to the company within 15 days from discharge.