26th December 2023 (10 Topics)
Mitigating pollution with health insurance policy
Context
Rising pollution brings along severe health consequences; a recent study shows exposure to polluted air has correlation to type-2 diabetes making health cover a non-negotiable safety shield
The Health Crisis in Delhi NCR: Pollution's Alarming Impact
The Dire Consequence of Rising Pollution: The escalating pollution levels in Delhi NCR have led to a concerning surge in emergency hospitalizations. The deteriorating air quality index (AQI) is not only jeopardizing the well-being of residents but is also resulting in substantial financial strain due to unexpected health problems.
Citizens' Struggle Revealed in Survey
LocalCircles Survey on Health Issues: It reveals that a staggering 80 percent of families in Delhi-NCR are grappling with health problems directly linked to the severe air pollution in the region.
Financial Fallout of Pollution-related Illnesses
Out-of-Pocket Expenses on the Rise: As pollution-related hospitalizations soar, individuals are experiencing an unprecedented surge in out-of-pocket expenses. These unexpected financial burdens are forcing many to face hardships and resort to borrowing funds to cover medical bills.
- Cardiovascular diseases: WHO estimates some 37% of outdoor air pollution-related premature deaths were due to ischaemic heart disease and stroke, 18% and 23% of deaths were due to chronic obstructive pulmonary disease and acute lower respiratory infections respectively, and 11% of deaths were due to cancer within the respiratory tract.
The Role of Health Insurance in Crisis
Safeguarding Against Financial Strain: The crucial role of health insurance in mitigating the financial impact of pollution-related emergencies. Comprehensive health coverage becomes a vital layer of protection, offering peace of mind and access to necessary healthcare without overwhelming financial strain.
Surge in Health Insurance Interest
Coverage for Emergency Hospitalizations
Minimizing the Financial Impact: Most health insurance policies encompass emergency hospitalizations, providing relief from exorbitant medical expenses during critical situations. This coverage includes emergency room visits, diagnostic tests, surgeries, and hospital stays.
Access to Quality Healthcare
Mitigating Health Risks: Amid the rise in pollution-related illnesses, having health insurance ensures prompt access to quality healthcare without the added worry of associated costs. This becomes crucial in mitigating potential health risks and addressing medical emergencies promptly.
Out-of-Pocket Expenses in India's Healthcare Scenario
High Reliance on Personal Funds: A significant 63% of India's health expenditures are borne out-of-pocket, signaling considerable financial vulnerability. This underlines the importance of health insurance in mitigating the risk of financial strain during medical emergencies.
Additional Benefits and Add-ons
Beyond Emergency Coverage: Health insurance plans offer additional benefits and add-ons, further alleviating out-of-pocket expenses. These may include coverage for pre and post-hospitalization expenses, outpatient consultations, medications, and preventive healthcare services.
The Need for Policy Evaluation
Choosing the Right Coverage: While health insurance protects against out-of-pocket expenses, individuals need to carefully evaluate and compare policies. Factors such as coverage limits, network hospitals, waiting periods, and premium costs should be considered to select a policy aligned with specific needs and budget.
Prioritizing Health and Financial Stability
Comprehensive Coverage for Well-being: By securing comprehensive health insurance, individuals can prioritize their health and well-being without the looming financial burdens associated with pollution-related illnesses. This becomes crucial for residents of Delhi NCR amid the current pollution crisis.
Way Forward: Investing in Health Insurance for a Resilient Future
It is imperative for residents to recognize the significance of investing in health insurance. This not only safeguards their overall health but also ensures financial stability in the face of the alarming pollution crisis.
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