Outlook Money
As winter and Diwali bring rising pollution levels in Delhi NCR, respiratory health can be at risk. Health insurance can help protect you against pollution-related conditions. Here are key points to consider.
Be aware that elevated air pollution can cause serious health problems particularly during the winter and Diwali seasons. Being aware of the risks posed by poor air quality is the first line of safety.
Make sure your health insurance policy covers respiratory conditions like asthma, COPD, and bronchitis, which can worsen due to high AQI. This includes hospitalization expenses for related health issues.
Verify whether your policy lists respiratory disorders as pre-existing diseases if you have any. Know the standard waiting periods that apply, as they can affect your coverage.
Health insurance policies typically cover ICU care, prescribed medicine, and emergency hospitalizations for severe respiratory problems brought on by pollution increases.
Even if there might not be specific add-ons for pollution-related problems, look for alternatives that increase your coverage. Consider options that can offer additional financial security during health emergencies brought on by air pollution, such as critical illness or personal accident coverage.
Compiled By Manas Malhotra