High blood pressure, or hypertension, is a widespread health condition that affects millions globally. While it may not show clear symptoms at first, it can lead to serious complications such as heart disease, stroke and kidney damage over time. Managing hypertension requires regular checkups, medications and sometimes long-term treatment—all of which can become expensive without proper coverage.
In this blog, we’ll explore why having health insurance is essential for individuals with hypertension, what features to look for in a good policy and tips for effectively managing the condition to stay healthy and reduce healthcare costs.
What is hypertension?
Hypertension occurs when the force of blood against the walls of your arteries is consistently too high. Blood pressure is measured with two numbers: systolic (top number) and diastolic (bottom number). A normal reading is around 120/80 mmHg. If your reading is consistently 140/90 mmHg or higher, you may have high blood pressure.
Hypertension does not always show signs until it leads to bigger problems like heart attacks, strokes or kidney disease. That’s why routine check-ups and appropriate treatment are crucial for early detection and effective management.
Types of hypertension
There are mainly two types of hypertension:
- Primary (essential) hypertension:
It develops slowly over time and usually has no clear cause. It may be linked to genetics, lifestyle or ageing.
This type is caused by a different medical condition, such as kidney disease, hormone problems or side effects from certain medicines. It often appears suddenly and can lead to higher blood pressure levels than primary hypertension.
Who should buy health insurance for high blood pressure?
Anyone diagnosed with high blood pressure or at risk of developing it should consider getting health insurance. This includes:
- Adults over 40 years old
- People with a family history of hypertension
- Individuals who are overweight or obese
- Smokers and heavy drinkers
- People with sedentary lifestyles
- Those with high levels of stress
- Senior citizen health insurance for parents or older family members
Importance of health insurance for people with hypertension
Managing hypertension often involves regular doctor visits, blood tests and long-term medication. In some cases, hospitalisation may be needed due to severe complications. Health insurance can help by:
- Reducing the financial burden of treatment
- Giving access to quality healthcare services
- Supporting early diagnosis through routine check-ups
- Providing coverage for related illnesses and emergencies
Benefits of buying health insurance for hypertension
Here are the key benefits of getting a health insurance plan that covers hypertension:
- Coverage for pre-existing conditions
Many insurance providers now cover hypertension as a pre-existing condition after a waiting period.
Most plans offer cashless treatment at network hospitals, so you don’t have to pay upfront during emergencies.
Many policies include annual or bi-annual check-ups that help you keep track of your blood pressure and overall health.
- Daycare procedures & OPD coverage
Some policies cover daycare procedures and outpatient treatments, including doctor consultations, tests and medicines.
Stress and anxiety can affect blood pressure. Some health insurance plans offer mental health support or counselling services.
Inclusions & exclusions of health insurance for hypertension
Inclusions (these may vary depending on the insurer):
- Hospitalisation due to hypertension-related issues
- Doctor consultations and diagnostic tests
- Cost of prescribed medicines
- Pre- and post-hospitalisation expenses
- Emergency ambulance services
Exclusions:
- Claims made during the waiting period for pre-existing diseases
- Non-medical expenses (like gloves, masks, etc.)
- Cosmetic treatments or surgeries
- Self-inflicted injuries or issues caused by alcohol or drug abuse
- Experimental or unproven treatments
It’s important to read the policy document carefully and understand what is covered and what isn’t.
Tips to manage hypertension
Here are some simple but effective tips:
- Eat a healthy diet: Focus on fruits, vegetables, whole grains and low-salt meals.
- Exercise regularly: Aim for thirty minutes of physical activity most days.
- Reduce salt intake: Too much salt raises your blood pressure.
- Limit alcohol and caffeine: Drink in moderation and avoid energy drinks.
- Maintain a healthy weight: Being overweight increases your risk.
- Manage stress: Practice yoga, meditation or deep breathing exercises.
- Take your medicines as prescribed: Never skip or stop medication without consulting your doctor.
- Check blood pressure regularly: Use a home monitor or visit a clinic.
FAQs
- Can I buy health insurance if I already have high blood pressure?
Yes, you can. However, there may be a waiting period before the insurance covers hypertension-related claims.
- Will the premium be higher for someone with hypertension?
It might be slightly higher, as insurers consider it a higher risk. However, this varies from company to company.
- Is a medical test needed before buying health insurance?
In most cases, yes. Especially if you’re above a certain age or have existing health conditions.
- Can I get a policy without disclosing my hypertension?
No. You must declare all health conditions honestly. Hiding information can lead to claim rejection.
Conclusion
Hypertension is a long-term condition that requires continuous care and monitoring. While it can often be handled through lifestyle changes and medication, the costs can add up over time, especially if complications arise. Having a good health insurance plan in place ensures peace of mind, access to the best medical care and financial security.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.