Health Insurance for Asthma Patients

Health insurance for Asthma patients covers the treatment cost of asthma, including OPD doctor consultations, hospitalization expenses, modern treatments, diagnostic tests, day care treatments, medicines, etc. It pays for the medical expenses incurred on treating chronic asthma without creating a financial burden. While most health plans cover pre-existing asthma after a waiting period, some insurers offer asthma insurance coverage from day 1.

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      What is Asthma?

      Asthma is a chronic lung disease caused by inflammation and muscle tightening around the respiratory tract (the passage carrying air to & from the lungs). The narrowing of the respiratory tract due to excess mucus production restricts the passage of air, eventually leading to difficulty in breathing, a feeling of tightness in the chest, and coughing. Moreover, the inflamed or swollen airway becomes extremely sensitive to any type of irritant and, hence, increases the risk of allergic reactions.

      Asthma is one of the most common lifestyle diseases in India, affecting adults and children alike. For some people, the disease may be a minor inconvenience, but for others, it can be life-threatening. Although asthma has no cure, its symptoms can be controlled through medication and lifestyle changes.

      Symptoms of Asthma

      Check out some of the most common symptoms of asthma:

      • Shortness of breath
      • Tightness in chest
      • Coughing
      • Wheezing while inhaling
      • Trouble sleeping
      • Difficulty in talking
      • Rapid breathing
      • Coughing and wheezing attacks worsened with the common cold

      How to Handle an Asthma Attack?

      An asthma patient can create an Asthma Action Plan with the help of their doctor. The plan helps to keep track of things to avoid, medicines to take, and when to take them. An Asthma Action Plan has three different zones:

      • Green Zone - In this zone, people can breathe normally without any difficulties, and no symptoms of asthma surface.
      • Yellow Zone - In this zone, people start experiencing some asthma symptoms, such as wheezing, coughing, problems breathing, etc.
      • Red Zone - In this zone, asthma symptoms and attacks start affecting the day-to-day life and normal activities of the patient, as breathing becomes extremely difficult.

      Benefits of Buying Health Insurance for Asthma Patients

      Here are a few important reasons why buying an asthma health insurance plan is a good idea for an asthma patient:

      1. High Incidence of Asthma

        Asthma has a massive presence in India. As per the Global Asthma Report 2022, about 35 million people have asthma in India, with children comprising of a sizeable percentage. The changing lifestyle and climatic conditions are some of the major factors triggering asthmatic conditions. Besides, severe cases of asthma may require extensive hospitalization, resulting in a financial burden. Buying a health insurance plan is the only way to pay for asthma treatment expenses without exhausting their savings.

      2. Expensive Asthma Treatment Cost in India

        Medical expenses are rising constantly, making it difficult to manage asthma treatment cost in India. Since asthma requires ongoing medication and regular check-ups, it can create a substantial financial liability. Even a brief hospitalization due to asthma can churn a medical bill worth lakhs, making it difficult for most people to afford. However, investing in health insurance for asthma patients can help them significantly reduce their out-of-pocket expenses, as the insurance company will take care of the medical bills.

      Best Health Insurance for Asthma in India

      Take a look at the best health insurance for asthma in India:

      Asthma Health Insurance Plans Entry Age Sum Insured
      (₹)
      PED Coverage for Asthma
      Aditya Birla Activ One Plan Adult - 18 years onwards
      Child – 91 days to 25 years
      2 lakh to 2 crore From day 1
      Bajaj Allianz Health Care Supreme Plan Adult - 18 years onwards
      Child – 90 days to 25 years
      5 lakh to 50 lakh After 2 years
      Care Supreme Plan with Instant Cover Adult - 18 years onwards
      Child – 90 days to 24 years
      5 lakh to 6 crore After 30 days
      Cholamandalam Flexi Health Retail Plan Adult - 18 to 65 years
      Child – 90 days to 26 years
      50,000 to 25 lakh After 3 years
      Digit Health Insurance Plan Adult - 18 years onwards
      Child – 91 days onwards
      2 lakh to 3 crore After 1 year, 3 years
      Future Generali Health Absolute Plan Adult - 18 years onwards
      Child – 1 day to 25 years
      3 lakh to 1 crore After 2 years
      HDFC ERGO Optima Secure Plan Adult - 18 years onwards
      Child – 91 days to 25 years
      5 lakh to 2 crore After 3 years
      ICICI Lombard Elevate Plan with JumpStart Cover Adult - 18 years onwards
      Child – 91 days to 30 years
      5 lakh onwards After 30 days
      IFFCO Tokio Individual Health Protector Plan Adult - 18 to 65 years
      Child – 91 days onwards
      50,000 to 20 lakh After 3 years
      Kotak Mahindra Health Premier Plan Adult - 18 to 65 years
      Child – 91 days to 25 years
      2 lakh to 2 crore After 2 years, 3 years, 4 years
      Liberty Health Connect Plan Adult - 18 to 65 years
      Child – 91 days to 25 years
      2 lakh to 40 lakh After 2 years, 3 years, 4 years
      Magma HDI OneHealth Insurance Plan Adult - 18 years onwards
      Child – 91 days to 25 years
      2 lakh to 3 crore After 2 years, 3 years, 4 years
      ManipalCigna ProHealth Prime Insurance Active Plan Adult - 18 to 70 years
      Child – 91 days to 17 years
      3 lakh to 15 lakh After 90 days
      National Mediclaim Plus Plan Adult - 18 to 65 years
      Child – 90 days to 25 years
      2 lakh to 50 lakh After 3 years
      New India Assurance Premier Mediclaim Plan Adult - 18 to 65 years
      Child – 90 days to 25 years
      15 lakh to 1 crore After 3 years
      Niva Bupa Aspire Plan Adult - 18 to 65 years
      Child – 91 days to 30 years
      5 lakh to 3 crore After 2 years
      Oriental Happy Family Floater Plan Adult - 18 to 65 years
      Child – 91 days to 25 years
      1 lakh to 50 lakh After 4 years
      Raheja Health QuBE Plan Adult - 18 to 65 years
      Child – 90 days to 25 years
      1 lakh to 50 lakh After 4 years
      Reliance Health Infinity Insurance Plan Adult - 18 to 65 years
      Child – 91 days to 25 years
      3 lakh to 5 crore After 3 years
      Royal Sundaram Multiplier Health Insurance Plan with ABCD Benefit Adult - 18 to 65 years
      Child – 91 days to 25 years
      5 lakh to 25 lakh After 30 days
      SBI Super Health Insurance Plan Adult - 18 years onwards
      Child – 91 days to 30 years
      3 lakh to 2 crore After 2 years
      Star Health Assure Insurance Plan Adult - 18 to 75 years
      Child – 91 days to 17 years
      5 lakh to 2 crore After 2.5 years, 3 years
      Tata AIG Health SuperCharge Plan with Advanced Cover Adult - 18 to 65 years onwards
      Child – 91 days to 25 years
      5 lakh to 20 lakh After 30 days
      United Family Medicare Plan Adult - 18 to 65 years
      Child – 91 days to 26 years
      3 lakh to 25 lakh After 4 years
      Universal Sompo Supreme Healthcare Plan with Instant Cover Adult - 18 years onwards
      Child – 90 days to 24 years
      5 lakh to 6 crore From day 1
      Zuno Health Insurance Plan Adult - 18 years onwards
      Child – 91 days to 25 years
      1 lakh to 1 crore After 2 years, 3 years, 4 years
      See More Plans

      Inclusions of Health Insurance for Asthma Patients

      The following coverage are available under health insurance for asthma patients:

      • In-patient hospitalization
      • OPD treatment
      • Road ambulance charges
      • Day care treatments
      • Modern treatments
      • Non-medical expenses
      • Home care treatment

      Note: The coverage may vary from one asthma health insurance plan to another.

      Exclusions of Health Insurance for Asthma Patients

      Asthma insurance coverage excludes the following expenses:

      • Domiciliary hospitalization
      • Non-allopathic treatment
      • Unproven treatments
      • External medical equipments and devices
      • Treatments availed outside of India
      • Rest cure, rehabilitation and respite care
      • Artificial life maintenance

      Tips to Prevent an Asthma Attack

      Given below are some important tips to prevent an asthma attack:

      • Identify what triggers your asthma, such as air pollution, pollen, cold air, etc., and take steps to avoid them.
      • Make sure to follow your asthma action plan created in the presence of your doctor.
      • Get vaccinated for influenza and pneumonia to prevent them from triggering your asthma.
      • Take your prescribed medications correctly and in the correct dosage.
      • Learn to identify warning signs of an impending asthma attack, such as wheezing, slight coughing, etc.
      • Monitor your breathing regularly at home using a peak flow meter.
      • Treat an attack early to prevent it from turning into a severe one.

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