Decoding Insurance

High Cholesterol Patient? Now Buy Health Insurance That Provides Coverage from Day 1

High Cholesterol Patient? Now Buy Health Insurance That Provides Coverage from Day 1

Increased use of technology and work from home amidst the pandemic has made our lifestyles sedentary. We live in times when the occurrence of lifestyle diseases has become the new normal. High cholesterol is one such disease that has become very common these days. Cholesterol is a waxy substance found in your blood. Your body needs cholesterol to build healthy cells, but high levels of cholesterol can increase your risk of heart disease.

If you are suffering from high cholesterol levels, and looking to buy a health insurance plan, then you can go for plans that provide coverage for pre-existing disease from day 1 or have a lesser waiting period. These days, insurers have launched such plans keeping in mind the growing demand among customers for health insurance plans with a lower waiting period. 

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For instance, Aditya Birla Activ Health Platinum Enhanced (Hyperlipidemia) covers chronic illnesses such as asthma, high blood pressure, high cholesterol, and diabetes from day one. Similarly, Aditya Birla Activ Health Platinum Essential (Hyperlipidemia) also covers high cholesterol from day 1. 

These plans offer a host of benefits such as you can get upgraded to a chronic management program automatically if you develop a chronic condition like asthma, high BP, high cholesterol, and diabetes after buying the policy. The benefits include day 1 cover, doctor consultation, diagnostic tests, and access to expert health coaches for medical, nutritional, fitness, mental counseling sessions, homeopathy teleconsultation. You can also get discounts on premiums, points earned for buying medicines, and coverage for diagnostic tests if you stay fit and healthy. 

PEDs are not exclusions

There has always been a misconception among consumers that people who have PEDs are not eligible for health insurance. That is not true. You can easily get health insurance even if you have a PED. For the same reason, a lot of people don’t buy health insurance policies or hide their diseases when buying a health cover. 

Firstly, the treatment cost of chronic illnesses has risen significantly. Patients with high cholesterol levels have increased chances of suffering a heart attack and the treatment cost of cardiac arrest is around Rs 2.5-5 lacs in a metro city. So, health insurance acts as a financial backup in case of medical exigency. It also helps in providing access to the best health care services. 

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Moreover, people with co-morbidities have a high risk of getting hospitalized if they contract Covid-19. Hospital bills of Covid-19 patients with co-morbidities can go as high as Rs 15-20 lacs. For a middle-class person, this isn’t a small amount and can dent his savings if such circumstances strike.
 

Secondly, one should not hide his/her pre-existing ailment at the time of buying a policy. This is because if they do so, the insurer might not entertain their claims. It would lead to claim rejection at the time of a medical emergency and your family will have to shell out money from their own pocket. So, it is always suggested to disclose all the health-related information to your insurer before buying a policy. 

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