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Migraine and its Impact on Health Insurance

A lot of people are confused about the terms headache and migraine. They tend to use the terms interchangeably. To clarify, migraine causes headaches, but all headaches may not be due to migraine. Migraine is a neurological condition that causes severe, recurring and painful headaches. Migraine can be a real headache to the patient, both literally and otherwise.

Stages

In most cases, the following stages are observed during an attack or episode of migraine. Migraine is more prevalent in women than men.

Prodrome

This is the warning that a migraine attack is forthcoming. Symptoms may be extremely mild at this stage.

Aura

This is the beginning stage of a migraine episode. Symptoms are mild but more severe than in the prodrome stage.

Headache

This is the actual migraine episode, and the headache is most pronounced during this stage.

Postdrome

This is the last stage, post the headache stage. You may feel tired and drained at this stage.

Symptoms

The following symptoms are observed in most migraine patients. Symptoms and their severity may vary from person to person. All patients may not experience all the symptoms.

  • Food cravings
  • Rapidly fluctuating moods
  • Constipation
  • Stiffness in the neck, especially before a migraine attack
  • Pulsating and throbbing pain on one or both sides of the head
  • Sensitivity to sound and light
  • Blurry vision
  • Light-headedness
  • Nausea and vomiting
  • Fatigue and low energy
  • Frequent yawning
  • Sensitivity to light, sound, and smell
  • Painful eyes

Diagnosis

If you are suffering from these symptoms regularly, you may consult a physician for diagnosis. Following are the typical methods of diagnosing migraines.

Magnetic Resonance Imaging (MRI) Scan 

Images of the brain are obtained using a combination of powerful magnetic fields and radio waves. This scan is also used to obtain images of the blood vessels to detect abnormalities. 

Computerized Tomography (CT) scan 

Images are obtained using X-rays controlled by a computer. It can create in-depth cross-sectional images to detect abnormalities.

Treatment

Treatment follows a two-fold approach:

  • Reduce the severity of the headache and other symptoms
  • Prevent future attacks

A combination of medicines and procedures is followed depending on the severity of the case. Migraine treatment may involve the following

Pain-relieving Medications

Also known as Abortive Treatment. Patients are advised to take the prescribed drugs during migraine attacks to reduce pain.

Medications that Lower Blood Pressure

Beta-blockers such as propranolol and metoprolol tartrate may be advised.

Antidepressants

Antidepressants can prevent migraine episodes. However, your physician may prescribe some other antidepressants, considering the side effects.

Anti-seizure Drugs

A doctor may advise anti-seizure drugs. However, the physician may take an appropriate call considering the side effects and vitals.

Safeguard Yourself

Frequent and recurring migraine attacks may demoralise you. It can leave you mentally and physically drained, severely affecting the quality of your life. 

Detection and treatment of migraines can be costly and long-drawn. What can you do to safeguard yourself from the financial burden of migraines and similar diseases? Read more about migraines here. Read along to know how insurance can help you.

Apply for Medical Insurance

Applying for health insurance is your best bet to safeguard your finances from medical expenses. You may apply for medical insurance online from a trusted website or a secure app. Medical insurance apps are known to make the medical insurance application smooth and easy. You may be surprised to see how easy medical insurance online application really is. 

Advantages of Medical Insurance

Medical or health insurance covers the following expenses, among others depending on your policy.

Pre-hospitalisation Expenses

Expenses that you incur before the hospitalisation with the hospitalisation are pre-hospitalisation expenses. These may be the cost of medicines, tests or doctor’s consultations.

Hospitalisation Expenses

Expenses that you incur during hospitalisation are hospitalisation expenses. They may be medicines, room rent, cost of equipment, medical procedures, tests and treatments.

Post-hospitalisation Expenses

Expenses that you incur after the hospitalisation with the hospitalisation are post-hospitalisation expenses. These may be the cost of medicines, tests or specialists’ consultations.

Daycare or Out Patient Department (OPD) Treatment Expenses

Some ailments or conditions may not require hospitalisation. They may be covered subject to the terms, conditions and limits laid out in the policy.

Cashless Hospitalisation

Most health insurance policies provide cashless hospitalisation at network hospitals. Upon admission, they will seek pre-approval of the claim from the insurer. 

Coverage of Migraine Treatment

It is always a good idea to come clean about your conditions at the time of application. Not doing so may lead to the rejection of claims in the future. Coverage of migraine treatment may vary from insurer to insurer. Some may cover it as a declared pre-existing condition, and some may not. It is best to check with the insurer while applying. You can always go for a policy that covers migraines.


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