Our lifestyle has evolved over the years, with each decade bringing something new and exciting. Sure, we all have better amenities when it comes to taking care of our needs, but these changes have also had an adverse impact on our health. Counterbalancing these health issues can be a challenge, which is where a good health insurance policy comes in. Not only does it offer us peace of mind, it also helps us meet any financial expenses which could kick in if we had serious health issues.
Tonsillitis might not sound like a huge deal, given all our other, expensive health concerns, but it is a problem which almost each one of us has encountered. Be it after downing an ice cream or having a cold drink, Tonsillitis can strike us at the least expected moment, having the power to impact our daily life to a certain extent.
What is Tonsillitis?
The human body is a miracle of nature, capable of performing unique tasks. Each part of our body is associated with something, with the tonsils being ignored, on most occasions. These two glands which are present in our throats might seem useless, but they are an important barrier when it comes to protecting us against infections. Tonsillitis is a condition wherein these tonsils swell up or are attacked by either a virus or bacteria, which can lead to sore throat.
What causes Tonsillitis and how to prevent it?
We have often come across cases, often within our own family and friends wherein people have opted to get their tonsils removed, thinking them to be useless. While this might have been the case before, a number of us have started realising the importance of our tonsils, for these glands produce WBCs or White Blood Cells which can help fight an infection. The most common reasons for tonsillitis are viral or bacterial infection, including common cold. Exposure to individuals affected by tonsillitis could see it spread to you.
Tonsillitis can be avoided by ensuring that you limit your exposure to people who are affected by it. Basic hygiene practices like washing your hands and covering the mouth while coughing or sneezing can help reduce the spread of the virus/bacteria which can cause this.
Do companies offer Health Insurance for Tonsillitis?
Tonsillitis can be painful, causing difficulties in breathing, swallowing food or just leading a normal life. People who are prone to it often end up avoiding cold items like juices and ice creams. In addition to the aforementioned issues, Tonsillitis can also result in fever, stiffness of the neck, and weakness of the muscles, which could lead to a lot of discomfort. Given all these factors, it is imperative that one consult a doctor and take relevant treatment to cure any case of Tonsillitis.
Health insurance in India is not as prevalent as it is in most other developed countries, with just a minor portion of our population opting for it. Most health insurance policies do not cover Tonsillitis, with a majority of policyholders unaware as to what their policy covers. One way to check if your health insurance policy provides protection against Tonsillitis is to go through the list of ailments which are excluded, which means that you will be required to read the fine print before you purchase the policy.
Most health insurance policies have an option for pre and post-hospitalisation cover, which could ultimately help you stay financially protected if you are prone to a number of bouts of Tonsillitis each year. Such cover is typically provided only if the policy has been in force for a certain period of time, with a new policy not providing cover for Tonsillitis in the very first year.
Additionally, bouts of Tonsillitis which require care in the nursing home or come under Domiciliary Hospitalisation which requires treatment for over 3 days can claim domiciliary hospitalisation benefit, subject to the terms and conditions of the policy.
Tonsillectomy and Health Insurance
Tonsillitis is an issue faced by all of us, with a large number of us opting to have the tonsils removed to ease this problem. Tonsillectomy is the procedure wherein trained medical professionals surgically remove the tonsils, thereby ensuring that a person who undergoes this surgery is not impacted by Tonsillitis in the future.
Most health insurance policies will cover this surgery, provided that the policy has been renewed for a minimum of 2 years. Doing this surgery immediately after you buy a policy could see you get no benefit. It is imperative that we read all the exclusions and consult the company before the surgery is performed, ensuring that it is covered under the policy.
The human body is a miracle of nature, but adequate care and rest is required from our side to help it achieve its optimal potential. While it is susceptible to infections, we can reduce the financial burden by choosing a good health insurance plan which protects our body and soul.
Note: Cover for Tonsillitis might vary from policy to policy. Kindly read all the terms and conditions to truly understand your personal financial liability before you opt for treatment.
GST rate of 18% applicable for all financial services effective July 1, 2017.
Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.