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Top 5 considerations for pollution insurance policies

Pollution insurance policy is vital to tackle hospitalisation expenses due to pollution-related ailments. It provides extensive coverage at nominal premiums.

By Pallav Jain
New Update
pollution insurance policies

Deteriorating environmental conditions such as pollution are among the major reasons for health ailments these days. With the country fighting a tough battle against pollution, getting a pollution insurance policy is a must to protect yourself.

Investing in a pollution insurance plan is critical, especially for those residing in industrial areas, where there is a huge production of manufacturing waste on a daily basis. With the help of pollution insurance, your medical expenses due to respiratory ailments from pollution will be taken care of.

For a better understanding of pollution insurance and its key benefits, read on.

Why do you need to avail a pollution insurance plan?

A pollution cover helps you manage treatment costs for all health conditions caused due to environmental pollution. You can enjoy extensive treatment coverage and other benefits at nominal premium costs. With this plan, you need not worry about rising medical inflation.

As you may be aware, pollution primarily affects your respiratory tract causing health conditions like asthma, pneumonia, and COPD to name a few. Treatment costs for these health ailments can take a toll on your pockets. By getting pollution insurance coverage, you can meet these expenses without any hassle.

Another key feature of this plan is that you can customize it to suit your financial goals and requirements. With this cover, you can focus on timely treatment for you and your loved ones without having to worry about the treatment costs. Whatever may be your medical emergency, this insurance policy assists you with the required funds.

Moreover, the claim procedure is quick and simple too. This way, there is no compromise on the treatment quality during emergencies and you get the right medical attention without delay. This policy really comes in handy during emergency situations.

What are the inclusions and exclusions of a pollution insurance policy?

Before you purchase a pollution cover, it is vital for you to know about what it covers and excludes. This insurance plan can cover all your hospitalization expenses. The total coverage varies from one insurance provider to the other and according to the plan you select.

Some companies cover hospitalization costs only if you are being treated by a specialist. So, it is important to understand the policy terms and conditions before you choose one.

Both your pre- and post-hospitalization costs may be covered as a part of the insurance policy. While pre-hospitalization includes investigative and diagnostic procedures, post-hospitalization expenses are inclusive of doctor follow-ups and the cost of medicines.

Most providers cover a maximum of 30 days for pre-hospitalization costs and a maximum of 60 days for post-hospitalization. You can even get reimbursed for the doctor’s fees you have to pay if you avail of pollution cover. Submit the necessary documents when you file your claim and get this amount reimbursed with ease.

Exclusions are also important for you to know before availing of any new insurance plan. If you have been hospitalized for illnesses other than respiratory ailments, a pollution cover will not be able to help. Similarly, if you get hospitalized within 90 days from the start of your policy date, you may not be eligible for reimbursement.

How can you apply for a new pollution insurance plan?

It is a simple and speedy process to avail yourself a pollution cover online from the convenience of your home. After zeroing in on the insurance provider, visit the website and select the online options.

Submit all the required details along with supporting documents. Next, proceed to the payment option and complete the payment. Once through, you will get the details of the policy on your registered mobile number and email ID.

Is it easy to file a claim for pollution cover?

All you need to do is contact your insurance company through a toll-free number to initiate the claim process. Alternatively, you may email the customer care of your insurance company. Both options are quick and convenient.

With an increase in health ailments caused due to the harmful effects of pollution, many companies are offering pollution insurance plans at budget-friendly costs. Some even provide coverage up to ₹2 Lakhs at nominal premiums of ₹500-₹1,000.

You can enjoy comprehensive benefits for a validity of 1 year too. So, browse online and select a provider offering maximum benefits at affordable rates.

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