Can I get a Health Policy if I have Allergies?

People tend to under-estimate the inconvenience and discomfort caused by allergies. An allergy is one of the top reasons why most Indians have to visit the hospital frequently. An allergic response is an automatic reaction inside a body in case, one comes in contact with a foreign particle.

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    Different people are allergic to different substances. The most basic allergens are pollen, dust, dust mites, mold spores, and pet dander. All these allergens are rampant in India, in huge quantities.


    Allergies vary in their distribution among the population as well as in the degree of their reactions. It makes it a challenging problem to solve. Mediclaim insurance policy is a must to secure your overall well-being. Make sure you buy adequate insurance coverage so that your medical emergency isn’t accompanied by a financial emergency.

    Indians and Allergies

    Approximately 30 percent of our country’s population is affected by allergies. The worst sufferers are youngsters and young adults falling into the category of 20-28 years. Pollution is the evil culprit behind the rapidly increasing number of the people falling prey to various kinds of allergic reactions.

    The increasing incidence of allergy-related sickness has caused a high level of awareness for purchasing a medical insurance. In case you are wondering if a health plan covers allergies, then this article is for you.

    People are often confused when they are asked about their health policy and the offered coverage for allergies. For this particular reason, people don’t invest in a health policy as they aren’t sure if their allergies will be covered, or not. In order to understand what’s covered and what’s not, let us understand the broad range of allergies.

    • Common Allergies - One can be allergic to dust which can cause uncontrollable sneezing, difficulty breathing, the skin might get rashes. Usually, these allergies are common and don’t end up in death or fatal complication(s). Medical intervention can be helpful to fight the allergy and one can return to normalcy after a while.

    • Severe Allergies - There are some allergies that cause an anaphylactic reaction because the immune system overreacts to the allergen. These cases can cause severe reactions such as severe breathing problems, loss of consciousness, etc., which often result in hospitalization. If medical treatment is not taken on time, severe allergies can be fatal.

    Health Insurance and Allergies

    Your health insurance plan will provide coverage for severe allergies (that might end-up with hospitalization) and its hospitalization expenses. Although, normal allergies aren’t covered by a health insurance plan, you should buy one anyway, so you can save money on other medical fronts.

    Look-out for a Health Insurance Plan

    There are several things that can trigger an allergic reaction. Every person has a different set of weaknesses. If a person is allergic to pollen, he may just get a few powerful sneezes or he may

    Most of the insurance providers offer coverage for expenses incurred for the treatment of allergic reactions triggered from a sinus condition.

    People having sinus problems tend to have runny noses. A majority of them don’t realize that homeopathic, immunotherapy treatments or AYUSH treatment can offer a solution to that mild discomfort they experience on a daily basis. They don’t realize that these are mild allergic reactions because of allergens present in their immediate surroundings.

    Minor allergies may result in a runny nose, sneezing, headache, itching, rashes, etc. This discomfort disappears when the allergens are eliminated from the immediate surroundings.

    Severe allergic responses can escalate to hives, tongue swelling, etc., and can render an individual incapacitated, temporarily, until medical help is provided. Most of the allergic reactions aren’t life-threatening but a severe response- anaphylaxis needs be treated at a hospital on an immediate basis.

    If one is allergic, their allergies might get triggered more violently during their old age. It’s crucial to have senior citizen mediclaim policy to be protected from the potential reactions when you need it the most.

    Don’t make regrettable mistakes and buy health insurance, it is for everyone. There are various plans available for people with allergies. Most basic insurance plans come with lots of exclusions, but there are special plans that are customized to provide insurance coverage for a particular treatment or sickness. There are particular policies that provide coverage for AIDS or HIV positive patients.

    How to Select a Good Insurance Plan?

    In India, there are various health plans available. There are few plans that are really good. A basic health plan is formulated based on the assumption that you’re a reasonably healthy person who doesn’t have any special requirements. It means that there are no general exceptions in case of a claim filed apart from the exclusions.

    You can go for a basic health insurance plan and enjoy the offered coverage. The Insurance Regulatory and Development Authority of India makes sure that all the plans offer a standardized coverage level and reimbursement for the various incurred expenses at healthcare facilities. In case you want any extra-coverage and additional benefits such as ambulance expenses reimbursement, cover for additional members of the family, specific cover for known health conditions, etc., you can easily get that by paying an extra premium.

    All you have to do is compare various health insurance plans so that you can come across the best plan.

    Various insurance providers such as Apollo Munich and Max Bupa go the extra mile when it comes to formulating new insurance plans. They make sure that all the medical situations are covered in the plan; it is beneficial to a policyholder and at the same time the company is making profits.

    In case you, or one of your family members, has been delaying buying a medical insurance plan, keeping the allergies and particular illness in mind and buy a health plan right now.

    What can be done?

    • Buy a Medical Policy - Don’t let normal allergies stop you from buying a medical plan, even if they aren’t covered. Think above and beyond that. Normal allergies are easily treatable and the medical treatment for normal allergies don’t cost that much.

      On the other hand, hospitalization for severe allergies involves huge costs. As an insurance plan covers severe allergies, it is immensely beneficial for the insured person.

      If you are severely allergic then, buying a medical is of utmost importance as your hospitalization expenses will be taken care of by your insurance provider.

    • Seek Expert Advice - If you are having second thoughts about buying a particular medical insurance plan, you must seek an expert’s advice.

      All the health insurance providers have toll-free helpline numbers that are available during business hours. You can seek clarification for your doubts and queries.

    The Bottom Line

    Keep in mind that your allergy doesn’t disqualify you from purchasing a health policy. Health insurance providers will offer you various plans even if you are allergic. They will cover your severe allergies.

    Buying a health insurance plan becomes super important if you are allergic. It provides you a much-needed cushion when it comes to paying the hospitalization bills.

    We hope this article offered you an insight and most of your doubts related to health insurance plans for allergies are clear now. 

    Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Written By: PolicyBazaar - Updated: 26 July 2021
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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