Hypertension Health Insurance: Here’s Why and How Much Coverage You Should Buy

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World Hypertension Day 2022: Hypertension is a common condition that we see among many Indians today. It is considered a silent killer because few patients know they are suffering from this disease until they suffer from stroke, heart attack, kidney damage and other ailments.

The condition is also seen in young people due to work-related stress and an unhealthy lifestyle. The Covid-19 pandemic since 2020 has also induced unprecedented levels of stress, leading to hypertension in many people.

It is estimated that at least one in four adults in India suffers from hypertension and only 10% of them have it under control.

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A recent analysis of data from 9.9 lakh patients registered by the Indian Hypertension Control Initiative (IHCI) of the Ministry of Health shows that only 47% of people with hypertension have it under control, while 23% suffered from uncontrolled hypertension. At the state level, the proportion of people whose blood pressure was not checked on their last visit was highest in Kerala.

Why should you buy health insurance

Uncontrolled hypertension makes individuals prone to other heart, kidney and brain related complications. Such hospitalizations can be costly and cause a financial blow in the event of a lack of health coverage. Healthcare costs are already rising in India.

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Insurance experts suggest that it is important to purchase adequate health coverage to protect yourself financially from the consequences of high blood pressure.

“Given that hypertension is seen in young people as well as older people, it makes tremendous sense to get adequate health coverage early in life,” Sudha Reddy, Head – Health, Digit Insurance, told FE Online.

According to Reddy, hypertension is considered a pre-existing condition (PED) and usually has a waiting period of 1 to 2 years.

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“Taking out health coverage early in life can help individuals exhaust common waiting periods and make a claim at a later stage if the need arises,” she said.

One can also have hypertension for genetic reasons. Thus, people who have a family history of hypertension should especially consider taking out adequate health coverage early in life.

How much insurance you should buy

“To adequately cover themselves, individuals who live in a city are advised to take health cover with an insured sum of Rs 10 lakh to protect themselves adequately,” Reddy said.

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