Asthma: Causes, Symptoms, and Treatment

What is Asthma and Asthma Insurance?

Asthma is a long-term respiratory disorder that inflames and narrows the airways, making it difficult for you to breathe. Patients generally experience wheezing, coughing, unusual chest tightness, and even shortness of breath. Dust storms, humidity, air pollution, and allergens, which are common in the UAE, can trigger such attacks.
Health insurance for asthma patients covers your ongoing medical care, such as doctor visits, inhalers, diagnostic tests, and emergency treatment. Without coverage, asthma treatment is usually costly. With an ideal asthma insurance plan, you receive continuous care, access to specialists, and financial protection during sudden attacks or other related emergencies.

Is There Health Insurance for Asthma Patients?

Yes, you can purchase health insurance for asthma in the UAE. However, insurers categorise asthma under pre-existing disease (PED) because the condition usually exists before policy purchase. Therefore, coverage does not begin immediately. A waiting period of at least 6 months applies before asthma-related claims are accepted. However, depending on your policy terms and conditions, the waiting period for PED may exceed 6 months. 
During the application process, insurers review your medical history, prescriptions, and severity level. Some may request medical tests or doctor reports. After approval and completion of the waiting period, the policy covers asthma-related consultations, medications, and hospitalisation. Declaring the condition honestly is essential to avoid claim rejections afterwards.

Asthma Insurance - Inclusions 

A comprehensive insurance plan for asthma coverage usually includes–

• General physician and consultations
• Prescribed inhalers and medications
• Diagnostic tests, such as X-rays and blood tests
• Emergency treatment during an asthma attack
• Nebulisation therapy and oxygen support
• Hospitalisation and ICU care for severe attacks
• Follow-up appointments
• Daycare observation and monitoring

Health Insurance for Asthma - Exclusions 

Let us now understand the common exclusions for asthma coverage in UAE medical insurance–

• Undeclared pre-existing asthma conditions
• Treatment during the waiting period
• Non-prescription medicines
• Experimental or investigational treatments
• Smoking-related complications 
• Alternative therapies, unless specifically covered
• Air purifiers, humidifiers, or preventive devices
• Cosmetic or non-medically necessary procedures

How to Buy Health Insurance for Asthma via Policybazaar.ae?

If you have a PED, such as asthma, and are seeking the ideal health insurance, we are here to provide you with the best plan. Know how to buy the right policy–

1. Fill in the lead form. 
2. Enter the correct details and submit the form. 
3. Compare plans on the quotes page. 
4. Follow the prompts, then make the payment. 

We will send your policy documents to your registered email ID. 

How to Choose the Right Health Insurance for Asthma?

Here are some tips to follow before buying the best health insurance for asthma–

Discuss with your doctor

Before choosing medical insurance for asthma, consult your doctor. Ask how often you may need follow-ups, medication, or emergency treatment. A doctor can estimate your long-term care requirements and possible complications. This helps you select a policy with sufficient outpatient, pharmacy, and hospitalisation benefits.

Check the Plans’ Policy Wording

Always read the policy wording carefully. Detailed clauses explaining pre-existing disease coverage, medication reimbursement, and emergency treatment eligibility help you make wise decisions. Get an idea of the pharmacy benefits and inhaler coverage, as asthma treatment is medication-dependent. 

Check out the list of hospital networks

An extensive hospital network is crucial for asthma care. Select a plan that covers nearby clinics, emergency rooms, and hospitals. In emergencies, cashless access to treatment is vital. Having limited access limits your access to your preferred hospitals.

Be Aware of the waiting period

As mentioned earlier, a waiting period of 6 months (minimum) applies to all PEDs. Planning early helps you complete the waiting period before serious complications occur.

Conclusion

Insurance providers offer health insurance for asthma in the UAE. However, it requires careful planning and honest disclosure on your part. Asthma is a pre-existing disease, and hence, waiting periods apply. Your policy covers consultations, pharmacy, emergency treatment, and hospitalisation. This reduces your healthcare costs.

Without insurance, asthma treatment can be expensive, especially during emergencies. Choosing the right policy ensures access to a wide range of hospitals, specialists, and continuous treatment. Compare plans and understand coverage limits.

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