Health Insurance for High Blood Pressure (HyperTension)

High blood pressure, also called hypertension, happens when the blood pushes too hard against the walls of your blood vessels. It might lead to serious health problems like heart disease, stroke, and kidney damage if it is not controlled over a long time. Most people with high blood pressure don't feel any different, so it's important to get regular check-ups. Eating healthy, staying active, and managing stress can help keep blood pressure under control.

High blood pressure, also called hypertension, happens when the blood pushes too hard...

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Why is Health Insurance Important for High Blood Pressure?

For those managing blood pressure levels every day, high blood pressure is a constant life companion. Keeping it in check requires lifelong vigilance. Diagnosis brings relief, yet worry - relief of an answer but worry over treatments and precautions.

Family budgets can get tight with unexpected bills. Good health insurance coverage helps give peace of mind because it protects against the worry of sudden healthcare costs. Paying insurance premiums feels more manageable when spread out over time, instead of facing big medical bills all at once when someone gets sick.

Health Insurance Plans at ACKO

ACKO Standard Health Insurance Plan

Get full coverage at affordable rates with the Standard Plan. Choose from sums insured of Rs. 10 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, or Rs. 1 Crore.

ACKO Platinum Health Plan

The Platinum Plan gives you complete coverage with a high sum insured. Enjoy benefits like no deductions on claims and no waiting period, making it a great value.

ACKO Platinum Super Top-up Health Plan

The Super Top-up Plan is ideal for adding extra coverage to your existing health plan or medical funds. After a deductible, you’ll get benefits like no waiting period and a high sum insured.

Symptoms of High Blood Pressure

Most people with high blood pressure don't have any symptoms, even when their blood pressure is dangerously high. You can have high blood pressure for years without knowing it. A few people might experience:

Headaches

Persistent or severe headaches can sometimes be a sign of high blood pressure.

Shortness of breath

Difficulty breathing may occur when high blood pressure puts extra strain on the heart and lungs.

Nosebleeds

Frequent or unexplained nosebleeds can be a warning sign of very high blood pressure.

But these symptoms aren't specific to high blood pressure and usually don't appear until the condition becomes very serious.

Health Insurance for High Blood Pressure (BP) Patients in India

Hypertension, or high blood pressure, is a chronic condition that requires consistent monitoring and management. For patients living with hypertension, having a Health Insurance policy is crucial. It ensures access to regular medical check-ups and monitoring, allowing for close supervision of their condition without worrying about the financial burden. Additionally, health insurance for bp patients typically cover a significant portion of the costs for prescription medications essential in treating hypertension, making these vital treatments more affordable and accessible.

As parents age, they become more susceptible to cardiovascular issues if hypertension is uncontrolled. BP Health Insurance ensures affordable speciality care access during senior years. Younger family members under the same policy find assurance, too. They gain encouragement for lifestyle management, knowing healthcare is secured without burdening anyone.

Additionally, Section 80D tax benefits allow deducting premiums of up to ₹75,000 from taxable income annually. This subsidises the cost of comprehensive family protection.

Hypertension Types and Health Insurance Coverage for High Blood Pressure

Here are the types of hypertension

Health Insurance Coverage for High Blood Pressure (BP)

Most high blood pressure insurance covers hospitalisation expenses arising from hypertension or its associated health issues like heart disease and stroke. Many policies also reimburse costs for outpatient investigations and medications prescribed under medical supervision. However, coverage parameters may vary under different policy options. Premium plans usually offer wider in- and out-patient coverage, including regular check-ups and therapies. Some policies have initial waiting periods for pre-existing hypertensive cases before claims can be made.

How Much Does it Cost to Treat or Manage Hypertension?

While in rural areas, initial treatment costs like routine checkups and basic tests typically range from Rs. 500-1,000, the availability of specialised services is limited. In comparison, urban residents have easier accessibility to comprehensive healthcare facilities located within city limits.

Types of expenses related to High Blood Pressure	Consultations, tests, medications
	Lifestyle drugs
	Home remedy consumables
Coverages of health insurance for hypertension patients	Inpatient hospitalisation for uncontrolled hypertension or related issues.
	Intensive care, medications, and diagnostics during hospitalisation.
	Daycare procedures like dialysis.
	AYUSH treatments like Ayurveda and Homeopathy for hypertension.
Some plans may also cover	Outpatient consultations with doctors.
	Standard drugs under medical supervision.
	Preventive health checks to catch issues early.
	Domiciliary care if prescribed by a doctor.
	OPD AYUSH consultations and medicines.

Prolonged monitoring and advancements in hypertension therapies can increase long-term costs. While one-time lifestyle adjustments are out-of-pocket, health insurance helps manage substantial clinical care expenses throughout management, easing financial strain. This allows focusing solely on controlling the condition through consistent lifestyle modifications and therapies.

How much does health insurance cost for high blood pressure patients?

While the premium is on the higher side, higher coverage plans provide strategic benefits:

Lifelong management costs can exceed several lakhs over the years. Lower plans may prove inadequate.
Medical inflation increases therapy expenses substantially each year. Higher insurance safeguards future affordability.
Continuity benefits like no-claim bonus lower costs substantially with long-term, uninterrupted renewal.
Significant financial protection ensures quality care access without budget constraints hindering prescribed treatment and lifestyle modifications crucial to hypertension control.

Estimate your health insurance costs with Health insurance premium calculator

Why is raising claims easier with ACKO policies?

ACKO leverages digital solutions to streamline various processes for policyholders. This includes simplifying the claims experience. Through its accessible mobile app and portal, customers can initiate claims conveniently without physical documentation requirements. We have also cemented seamless digitisation with numerous hospitals across India. This enables swift electronic verification and direct credit of dues to healthcare facilities. This means patients are spared advance payment costs.

Discover these unique benefits of ACKO health insurance


Doctor-on-Call	OPD Cover	Domiciliary Treatment	Room Rent Limit	Zero Waiting Period

Wrapping it up!

Choosing health insurance for hypertension management not only eases financial stress but also ensures continuous access to quality healthcare. With plans like ACKO's Platinum Plan, patients can enjoy comprehensive coverage, including outpatient care, medications, and advanced treatments, without worrying about out-of-pocket expenses. This support encourages a focus on healthy lifestyle adjustments critical in controlling hypertension, making health insurance a valuable ally in maintaining long-term wellness and peace of mind.

Frequently Asked Questions

Here are some common questions about Health Insurance for HyperTension.

Can you get health insurance with high blood pressure?

Yes, you can get health insurance even if you have high blood pressure. Many health insurance plans cover people with this condition, though there might be a waiting period before coverage starts.

Is hypertension covered in health insurance?

Yes, hypertension (high blood pressure) is usually covered by health insurance. However, some plans may have a waiting period before they start covering treatments related to hypertension.

Is high blood pressure a pre-existing condition for health insurance?

Yes, high blood pressure is considered a pre-existing condition. Most health insurance plans cover pre-existing conditions, but they might have a waiting period before coverage begins.

Is blood pressure covered by insurance?

Yes, treatments and medications for high blood pressure are generally covered by health insurance, though there may be specific terms or waiting periods depending on the plan.

How much is the Hypertension waiting period?

Usually Hypertension is considered as a pre-existing disease. Thus the waiting period can vary from 1 to 3 years.

Is there health insurance for blood pressure patients?

Yes, blood pressure patients can buy health insurance. They might have to wait for a while to claim blood pressure related costs, however they can still raise a claim for other covered medical events.

Does hypertension affect your insurance?

Having hypertension could result in a slightly higher premium amount compared to healthy individuals.

How much does it cost to treat hypertension?

Initial check ups cost around Rs. 500-3,000, depending on location in India. Long-term treatment ranges between Rs. 10,000-15,000 per month on average.