Can I Get a Health Insurance Plan if I Have Allergies?

Health insurance is now offered for treatment related to allergies. Allergic reactions require proper treatment and hence, many insurers provide insurance for such treatments. One can read the policy document to see if allergies are included.

The short answer is yes.

Allergies are among the most common reasons that Indians visit the hospital. An allergic reaction is an automatic reaction by the body when a foreign substance in introduced. Not everyone has the same allergies, but most of us are allergic to something or the other, in varying quantities. The most common allergens are dust, pollen, dust mites, pet dander and mould spores – all of which appear everywhere in India and in no small quantities. Allergies are not uniform in their distribution among the population or in the severity of their reactions, which makes them a challenging problem to tackle.

Most people living with sinus problems and runny noses probably don’t realise that immunotherapy or homeopathic treatments or ayush treatment can solve this mild discomfort they feel in their daily lives, because they don’t realise that they are having a mild allergic reaction to something in their environment.

Minor allergic reactions could cause mild discomfort in the form of a runny nose, headache, sneezing, rashes, itching, etc. that disappear once the allergen is removed from the environment. But severe allergic reactions can cause a person to break out in hives, cause a swelling of the tongue, cause the throat to close up, and render a person incapacitated until medical help is sought. While most allergic reactions are not life-threatening, a severe reaction known as anaphylaxis must be treated immediately at a hospital.

Health insurance for People with Allergies:

There are an infinite number of things that can cause an allergic reaction, and everyone has a different weakness. A person that’s allergic to peanuts may have a higher tolerance towards pollen, and vice versa. Most cover the costs incurred from treatment sought due to an allergic reaction.

Let’s make no mistake – health insurance is for everyone. There are hundreds of plans out there. While most of the common insurance policies have a long list of exceptions, there are specialized policies that provide coverage for specific illnesses or treatments. There are even specific policies that cover expenses for AIDS / HIV+ patients.

How to Pick a Great Insurance Policy:

Among the hundreds of insurance policies available in India today, there are a few that truly stand out. A regular health insurance policy would assume that you are a reasonably healthy individual with no special requirements (meaning that none of the general exceptions would apply to you in the event of a claim anyway). You could get just any old health insurance policy and be perfectly happy with the coverage provided – the IRDA has ensured that all policies maintain a standard level of coverage and reimbursement for general expenses incurred at medical facilities. But if you want that extra coverage, with additional benefits like reimbursement of ambulance charges, coverage for additional family members, specific coverage for known medical conditions, etc., you can get that as well. You just have to look in the right place and there’s no better place to find the right health insurance policy than at The bankbazaar website allows you to compare health insurance plans side-by-side like you would compare phones to find the one with the best features.

Some insurers like Max Bupa and Apollo Munich are thinking out of the box when designing their new insurance products, making sure that everyone’s medical conditions are covered in a way that’s profitable to the company and beneficial to the policyholder. Other insurers have jumped on this bandwagon as well by increasing the scope of coverage as well as the amount covered.

So, if you or anyone you know has been avoiding a health insurance policy on the grounds that their allergies and specific illnesses won’t be covered, it’s about time you opened up an insurance comparison site and got to work finding the right policy.

GST rate of 18% applicable for all financial services effective July 1, 2017.

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