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Increasing air pollution underlines for health insurance

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December 11, 2018
We live in times where lifestyle changes and fast pace of day to day activities - is a reality of life. This fast paced lifestyle is characterized by general increased spending capacity, high levels of consumerism and better avenues for lifestyle support. This is an evolutionary truth and holds true for all segments of the population. However, if one aspect of our lives has badly suffered in the process, it is our connection with nature and the benefits that come with it. With increased quality of healthcare, there has been a corresponding increase in the number of diseases as well. Our overwhelming dependence on non-renewable energy resources has practically poisoned the natural resources and it is a very well acknowledged fact that the ill effects of pollution and global warming is a direct result of unhealthy human activities.
 

The most basic requirement of life is oxygen and today, in leading cities across the globe and in India, the quality of air has become so poor that at times it becomes practically impossible to breathe. This has had a debilitating effect on our health directly and with each passing day, things are becoming more and more adverse. In a country like India, which is striding fast towards becoming a developed nation, the consumption of resources due to the bulk of human activity has been immense. The ongoing developmental projects, infrastructure building and vehicular traffic have severely impacted the quality of air that we breathe creating further health related issues.

This also means an increased expenditure on healthcare insurance. It is very well known that we take out health insurance policies to safeguard our hard earned finances in times of health-related contingencies. So what, in essence, is the correlation between the rising air pollution levels and health insurance? It is not difficult to understand, actually when we observe the growing trends in India. Diseases that occur as results of air pollution sometimes require hospitalization for treatment. Now, compare this with the parallel growing financial awareness among the general masses in India and the need of securing the financial resources that is felt by everyone. A large number of people in Indian cities stake claims for coverage against the incurred treatment expenses for diseases caused by air pollution.

Diseases and disorders that are caused by air pollution affect our bodies in many ways. Sometimes, they manifest in the form of a mild to severe difficulty in breathing, wheezing, chest pains etc. and a normal OPD visit can treat the condition effectively. However, at times, the diseases may be too critical and may require intensive treatment therapies or even prolonged hospitalization. In such cases, apart from the physical and emotional anguish, the patient's family has to bear the burden of costly treatments. Even after treatment, a patient may require medical care for complete recuperation and the finances of the family suffer terribly, so much so that the expenses for important goals like wedding or child's education have to be spent on treatment. Therefore, it is very essential to have a critical illness health insurance plan in place to protect the family's finances.

HDFC Life offers several health insurance plans for covering your finances and the happiness of your loved ones in the event of any health related emergency. For details, click on the mentioned link: https://www.hdfclife.com/health-insurance-plans.

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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