Does health insurance cover air pollution?

At the speed at which we are touching new dimensions of development, the problem of pollution is also increasing in our cities at the same speed. The heart of our country, Delhi is one of the most polluted cities in the world. Every human in Delhi is taking polluted air as a breath. Due to this people are also getting many diseases. Sadly, Delhi is not the only polluted city in India. Mumbai and Kolkata are also among the most polluted cities in the world. If you are living in one of these cities, then you do not know how much poisonous gas you are taking in the day and you are inviting diseases.

Discussions have been filed in the Lok Sabha and petition in the Supreme Court regarding Delhi’s air pollution. People living in polluted cities are always concerned about their health. The question that often arises in the minds of the people is whether the health insurance scheme covers air pollution? Therefore, information related to this is being given through this article.

Problems caused by air pollution

Air pollution is not small, but a very big problem. This can affect your entire body. Lungs are affected by this. There is inflammation in the blood vessels, which hardens and closes the arteries, causing a lot of other problems. If you already have these types of diseases, the risk is further increased, as it can cause a heart attack or stroke. People in Delhi are seen wearing masks to avoid air pollution, but even at the level of pollution in Delhi, masks cannot help people much. People are having respiratory problems due to pollution. Water pollution due to air pollution, shortness of breath, asthma and bronchitis, allergies and chronic obstructive pulmonary disease (COPD) are common. If you get a disease due to the problem of air pollution, then treating it can spoil your budget. Therefore, to avoid any emergency, it is very important to have a health insurance plan covering the diseases caused by air pollution.

Health insurance for air pollution

Most private insurers offer health insurance plans that cover almost everything. However, you should understand the hidden things of the plan before taking a health insurance plan. It is very important to read the terms of the policy carefully before taking health insurance. Health insurance plans usually cover airborne diseases such as bronchitis, pneumonia, asthma and COPD. Before taking a health insurance plan, you should check and make sure that your insurance policy does not cover airborne diseases and other common diseases. You can also take a critical illness health insurance plan. The scheme covers more than 35 critical illnesses.

Health insurance plan with OPD cover

When it comes to air pollution, most people go to OPD for treatment. That is why your health insurance plan should have an OPD cover. You should take the same health insurance plan that provides good coverage for OPD expenses. Health insurance plans covering OPD include clinical trials, physician consultation fees, pharmaceutical expenses, dental procedures and treatments, health checkups, hearing aids, contact lenses and other eyewear expenses, paediatricians, gynaecologists, etc. is done.

Is OPD covered health insurance plan sufficient?

Children fall prey to pollution-related diseases, so a health insurance plan with OPD cover is not enough. When you have children in your family, you will need a family floater health insurance plan. The scheme provides cover to all family members. If you and your spouse are around the age of 30 and your children are around the age of 8 and 5, then you should get a family floater health plan that provides a cover of at least Rs 5 lakh. , Because today health services are becoming expensive and in big cities, there is more inflation. Family members can share the insurance amount under this scheme.

At low cost and when you are perfectly healthy, it makes sense to have a health insurance plan. Because with age you become weaker and the premium amount of the plan also increases. Along with this, before selecting any plan, you should compare different schemes among themselves and choose the best plan for yourself. You can buy health insurance plans both online or offline, but online health insurance plans are relatively inexpensive.