High blood pressure patients or people suffering from Hypertension are always at the risk of contracting heart diseases, coronary illnesses, and are at a higher risk of getting a stroke. Apart from maintaining a healthy lifestyle, having a health insurance policy that caters to their specific needs is a necessity for them because the monetary cost of hypertension and associated diseases could be catastrophic. Here, we have a list of some great insurance plans that they can look into to financially shield themselves from the illness.
1) Religare Care Freedom
Religare Care Freedom is a policy designed for people with hypertension and diabetes. It can be bought by anyone above the age of 18 and has two plans, Plan 1 and 2. Plan1 provides cover of Rs 3/5 Lakh, while Plan 2 provides a cover of Rs.7/10 Lakh. The initial waiting period is 30 days and there is only 24 months of waiting period for coverage of pre-existing illnesses.
Some of the important benefits that it offers includes both in-patient care and day-care treatment for an amount up to the sum insured. Both the plans (as well as plans for family) provide for a free annual checkup and assures 100% sum restoration in case of claims. The policies provide consumable allowance for hospitalisation and also companion benefits (cost of having a caretaker) if the hospitalisation exceeds 10 days.
Further, Care Freedom Policy provides the policyholder dialysis cover, ambulance cover, and it also covers a part of the cost if the patient has to be treated at home. It does not have the pre-policy medical checkup criteria and will cover up to 10% of payable pre and post-hospitalisation expenses for 30 days.
2) Aditya Birla Health Insurance Activ Health Enhanced
This plan offers coverage of up to Rs. 2 Crore and provides cover for certain chronic illnesses such as high cholesterol, diabetes, hypertension, asthma, etc. since Day 1. It offers 100% sum insured restoration and up to 100% no-claim bonus on a non-reduction basis.
The enhanced plan covers actual ICU charges, and also ambulance cover for upto Rs. 5,000 for a non-network hospital. The initial waiting period is 30 days, and it covers 527 Day Care procedures. According to their policy, they offer you Day 1 cover for chronic conditions to help you get back on the path of healthy living, and If you develop a chronic condition after buying the policy, you will get upgraded to the program without any additional premium.
The minimum age for buying this policy is 91 days and there is no maximum limit. Children up to 25 years of age can be enrolled as dependents and importantly, its family floater plan can cover as many as 9 members of the family including parents-in-law. Furthermore, it offers up to 30% of your premium as Health Returns which means that following a healthy lifestyle will help you pay lower premiums.
3) Star Health Comprehensive Plan
This is one of the most comprehensive health policies available in the market with a coverage between Rs. 3-50 lakhs. It provides a single private a/c room for patients with sum insured over 5 lakh, covers over 400 day care procedures, provides hospital cash benefits and a 100% increase in Sum Insured on claim free renewal.
Further, after a waiting period of 36 months, it also covers the cost for maternity, and OPD consultations are covered too. The policy provides a personal accident cover against death and permanent total disablement at no extra cost to the premium, making it a holistic plan.
This plan is well-suited for people with hypertension, but there are certain specific plans as well in case they also suffer from diabetes or cardiac problems. A person with hypertension and diabetes should opt for ‘Star Diabetes Safe’ policy and if a person has hypertension along with chronic cardiac issues then ‘Star Cardiac Care’ is the perfect policy for them.
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