Health Insurance for Aplastic Anemia to Avail Best Treatment
While health insurance is a boon for many people globally as it bears the high cost of medical bills leaving a lesser size hole in your pocket, availing one is not the easiest of tasks-unless you are a healthy individual. But it does not mean that companies won’t ever provide insurance for critical illnesses. For such situations, the primordial requirement is finding the right health insurance provider and being careful before signing up for the insurance.
What is Aplastic Anaemia?
Aplastic anaemia is a critical life-threatening medical condition in which the body is unable to produce new blood cells. The human body contains three kinds of blood cells-the red blood cells, white blood cells and blood platelets. A low platelet count increases risks to infection and bleeding, which makes the disease range anywhere between being mild to fatal. Aplastic anemia shows symptoms of tiredness, dizziness, pale skin, rapid heart rate, shortness of breath, headache, bleeding gums, nosebleeds and frequent infections
Procedure for Availing Health Insurance For Anaemia Patient
Before providing coverage to the anaemic patient, an insurance company may ask the individual to produce proof of their disease by showing their medical history, prescriptions, and dosages, and the number of doctors and diagnostic facility visit apart from a detailed form about the individual’s height, weight, travel frequency etc. as aplastic anaemia develops as a direct consequence of bone marrow damage which can be caused by a variety of conditions, including hepatitis, Epstein-Barr virus (EBV), HIV, exposure to ionizing radiation or toxic chemicals or by an unknown factor.
Once the lab company completes the analysis, they will send their findings to the underwriter at the insurance company. Once they compare the findings against their guidelines, they will start to understand what the individuals rating class and the premium will be. However, sometimes they may need a more detailed health history from you, in which case they may reach out and ask some more questions.
Risk Evaluation for Anemia Patients
For aplastic anaemia, the underwriters will be determined based on their analysis how much of a risk an applicant may be. If the individuals’ health – other than your aplastic anaemia – is good, then it may be possible for them to obtain health insurance to cover their costs. But in other situations where the health of the individual is not optimal, companies may reject the application so as to not create liability for themselves. So not only is it crucial to choose the right provider, but it is also equally important to read the “fine lines” of the documents to prevent any future mishap.
While getting insured as an anemic patient may be hard, its benefits are certainly one to reap. Health insurance today is beneficial to have in the age where prices and expenses for every essentiality and luxury are growing sky high. As pharmaceutical industries and medical science has grown, so has the cost of healthcare leading to situations of the complete bankruptcy of the common man in tries to avail healthcare for terminal and serious illnesses like aplastic anemia and in such situations It is for these very situations where health insurances act as a Good financial Samaritan, saving the common and below middle-class from losing everything they have under the liege of hospital bills.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.