Hypertension or high blood pressure is a common health condition in India. The fast-paced lifestyle, daily work stress, unhealthy eating habits, and the pressure of maintaining a work-life balance are a few common reasons for the rise in the number of people being diagnosed with this health issue. While hypertension itself is not a critical issue, if it is left unchecked for long, it can lead to several other health issues that can have eventually fatal consequences.
The World Health Organisation suggests that hypertension is one of the leading causes of cardiovascular-related mortality worldwide. Furthermore, the WHL (World Hypertension League), an umbrella organisation of 85 national hypertension societies, suggests that nearly 50% of the hypertension patients worldwide remain unaware of their condition.
So, to address this issue and raise awareness about hypertension and its associated health threats, WHL initiated a global campaign in 2005 and dedicated May 17 as the World Hypertension Day.
You can keep your blood pressure under control by taking your pills regularly and maintaining a healthy diet. Apart from this, it is vital that you purchase a robust health insurance. Let us look at the importance of health insurance if anyone in your family has hypertension:
• Protection against the rising healthcare cost
Over the years, medical inflation has been on the rise constantly. In such a situation, it may be challenging for you to take care of the treatment expenses. You may have to pay for doctor consultation fees, bed charges, pre-hospitalisation, and post-hospitalisation expenses, which requires a large sum.
Also, if you have hypertension, there is always a risk of being affected by conditions like stroke or heart attack, which can lead to depletion of your savings in one go. So, to avoid this, it is better to have medical insurance coverage.
• Get high quality treatment
During a medical emergency, you may look to get quality medical treatment. And, in India, the private hospitals are equipped with advanced technology and offer better treatment facilities than government hospitals. However, getting treatment at such hospitals means you need a lot of money. Hence, it is paramount that you have health insurance to remain stress free and get the best treatment possible without worrying about the high cost.
• Waiting period
All health insurance policies have a waiting period clause. It essentially means that the insurance company is not liable to pay for the hospitalisation expenses for a certain period from the date of policy commencement. The initial waiting period varies from one insurer to another; it generally ranges from 30 to 90 days.
Also, based on the terms and conditions of the plan, there may be a specific waiting period for conditions like hypertension. So, it is advisable that you purchase health insurance well in advance as soon as you are diagnosed with hypertension. This will help you be well protected before something unexpected happens.
It is better to have comprehensive health insurance coverage for yourself and your family. You cannot control contracting any illness, but you can be prepared to deal with its treatment expenses and safeguard your finances. At Kotak General Insurance, we offer a wide range of health insurance plans with a plethora of benefits to suit your specific needs.
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