Respiratory Disease Health Insurance

It seems impossible to stick to these routines in the present times. Our lifestyle hardly allows the luxury of taking out time to care for ourselves. Moreover, the constant pressures of life have inculcated bad habits like smoking, eating junk food etc., that directly affect the functioning of the respiratory system. On top of this are the environmental factors that are at play. These include smog, pollen, global warming, and diseases that hamper the health of our lungs, making it difficult to breathe.

Respiratory diseases cover conditions like asthma, allergies and infection of the lungs that arise from the factors mentioned above. Having health insurance that covers these respiratory diseases is essential as the COVID-19 pandemic that we are currently facing also affects the lungs. So, let’s take a deeper look at the definition of respiratory diseases.

Respiratory diseases can be defined as conditions that impact the functioning of the lungs and affect other parts involved in the respiratory system like the nose, mouth, trachea etc. The reasons for the development of such diseases include age-related respiratory issues, pollutants in the environment, the genetic make-up of the body, smog, consumption of substances like tobacco and smoking, to name a few. Respiratory diseases cover chronic issues like allergy, asthma, pulmonary fibrosis, lung disorder, and lung cancer. The diseases can spread rapidly, starting from the sinuses, going up to your vocal cords and ultimately compromising the lungs.

Diseases that affect the lungs and the respiratory system prevents the suffering individual from breathing properly. It blocks the airways and seriously impacts the functionality of the concerned organ to carry out the process of respiration. Take a look at the three major types of respiratory diseases:

1. Airway Diseases- The pathways that conduct the gas exchange during respiration are called the airways. These airways carry oxygen and other gases into and out of the lungs. Airways can shrink and can have a blockage in the presence of a disease like asthma, bronchiectasis, tuberculosis, and COPD, among others. An individual with any of the airway diseases may feel like they are breathing out through a straw.

2. Lung Tissue Diseases- The lung tissue expands and contracts when we respirate. Diseases like sarcoidosis and pulmonary fibrosis affect the lung tissue structure and do not let it expand properly due to scarring or inflammation. This type of disease is called restrictive lung disease, and it may feel like you’re suffocating while wearing a tight vest. Deep breathing is not possible in lung tissue diseases.

3. Lung Circulation Diseases- Clotting, inflammation or scarring of the blood vessels present in the lungs causes such diseases. In this case, the lung cannot take up oxygen and release carbon dioxide to its full ability. This can cause low levels of oxygen and carbon dioxide toxicity in the body, which can also hamper heart health. Pulmonary hypertension is one such lung circulation disease that aggravates when a person exerts themselves.

*Respiratory diseases cover *these three major types of conditions and can also occur as a combination of these three conditions.

In the presence of factors like biological pre-disposition to respiratory diseases, existing allergies, smoking, consuming tobacco, age of a person etc., it becomes crucial to keep an eye out for any of the following symptoms:

Cough that persists for longer periods
Shortness of breath
Constant sneezing
Fatigue
Severe congestion
Throat ache/coughing up blood because of inflammation
Swelling of the toes and fingers

Diseases can arise from anywhere, and you might or might not be aware of it unless it gets worse. Ensure that you follow these preventive measures to protect yourself from respiratory diseases:

Quit Smoking
Change in lifestyle habits
Frequent health check-ups
Wearing a mask
Choosing a comprehensive health insurance plan that covers respiratory diseases
Sometimes, despite taking precautions and maintaining healthy lifestyle, you might catch hold of respiratory diseases, which might involve considerable treatment cost. However, a health insurance plan with respiratory disease cover can help you stay financially prepared and protected against critical respiratory diseases.

One should always be prepared with a health insurance plan in place. Health insurance respiratory diseases cover a wide range of lung diseases that include-

Lung Cancer
Chronic Obstructive Pulmonary Disease (COPD)
Lung Infection/Pneumonia
Pulmonary Embolus
Bronchitis
Pulmonary Edema
These chronic diseases can arise at any point in a person’s lifetime and paying hefty bills that come with ongoing treatments for such diseases can add to your burden. However, while being covered under a comprehensive health insurance plan, you can stay worry-free as it covers the treatment cost and other related medical expenses such as pre and post hospitalization expenses, which will ultimately reduce your financial burden during such uncertainties.

Here are some significant reasons why you can consider choosing TATA AIG as your trusted insurance provider for respiratory disease cover:

Cashless hospitalization at 7200+ network hospitals
In-patient treatments
High-end diagnostics costs subject to Rs.25,000 in a policy year
540+ day care procedures
Pre & Post-hospitalization expenses
AYUSH benefits
Cumulative bonus up to 100%