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Are Allergies and Its Treatment Covered Under a Health Plan?

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Are Allergies and Its Treatment Covered Under a Health Plan?

Given the pollution of present times; allergy is a common disease among masses. You will find every second person exhibiting an allergic response to various substances like pollen, dust, mold spores, pet dander, etc. It is such a common and rampant health problem amongst Indians that most of us accept it as a part and parcel of our lives.

According to estimates about thirty percent of the Indian population is suffering from allergies. People not only show the reaction to a wide array of substances but the degree of reaction also varies from person to person. Unfortunately, even though it is one of the leading reasons for the people visiting a hospital; people are unsure whether allergic treatment is covered by your health policy. Here, we explore various aspects of the topic for better perception.

Types of Allergies

Before we proceed any further, let’s understand the two major types of allergies.

  • Common allergies

This is the most common type of allergy. Here people show an allergic reaction to pollutants like dust, the smell of petrol, diesel, etc. and exhibit difficulty in breathing, uncontrollable sneezing, a bout of vomiting or even temporary rashes erupting on your skin. These allergic reactions are neither severe nor fatal and do not cause any death. The reaction diminishes and disappears after some time either naturally or with a mild medication.

  • Severe allergies

Some allergens cause a severe anaphylactic reaction in the body of some persons. Here the immune system of the body reacts in a severe way to the allergen and can cause severe breathing problems, loss of consciousness, etc. The reaction exhibited is often fatal and life-threatening if not treated at the right time and requires hospitalization most of the time.

Allergic Reaction and Health Insurance

Now let’s answer the most important question of whether allergies are covered under a health insurance plan or not. In blunt words, common allergies are not covered under a Health Insurance Plan but severe allergies are covered under it as it requires hospitalization and treatment.

It must also be understood that many policies might not cover it. Hence, you must always double-check its cover before buying the health policy. IRDAI has made health coverage mandatory only for severe allergic conditions like asthma and allergic rhinitis. It has also listed insurance eligibility for immunotherapy which is known to help to treat the allergic conditions in a much better way. Therefore, one might infer that health insurance has the provision for immunotherapy-based treatment for allergy.

It has also been found that most often the root cause of allergic reactions is sinus condition and it often leads to hospitalization. They suffer from various reactions like coughing, sneezing, running nose, rashes, itching, etc. But what most people are unaware of is that today, we have various treatments available in immunotherapy, homeopathic treatment, and AYUSH treatment.

AYUSH stands for Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy. These are all alternate avenues of medicines that are fast gaining ground because of their effectiveness in treating various diseases. Moreover, the treatment cost is low in these avenues compared to mainstream medicine. Because of their high effectivity and low cost; they had become very popular in the masses. This popularity has made the insurance companies sit up and give it recognition in their policy as well.

However, many insurance companies still do not cover these avenues of treatment. Hence one must verify that these avenues of treatment are covered by the health insurance policy that you are purchasing.

Another point that you must remember that if you are getting your allergies treated by alternative medicine mode; you will have a cap on the extent of coverage provided. Usually, it is a certain percentage of the sum assured that varies from insurer to insurer.

Another point that one must always remember is that insurers consider allergy as a pre-existing disease. Hence, it must be disclosed at the time of purchase of the policy.

Wrapping up

Suffering from allergies does not mean that you will not be eligible for a health insurance plan. There are several health plans available offering you all kinds of coverages. Few health plans also cover diseases like HIV or Aids. All you need to do is ensure that you are selecting the right plan that meets your needs and covers the allergic reactions that you are prone to.

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How to Manage Postpartum Drug Abuse?

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Many new moms suffer from postpartum “baby blues”. These signs typically appear within the first few days following delivery and can linger up to two weeks. It is mild one affecting the moms and leaving them fast enough. PPD is another issue that new moms face for a long time. In new moms, it is a severe and enduring suffering. About 14% of women experience this sort of depression, which can lead to emotions of sadness, anxiety, tiredness, and hopelessness. If neglected, these symptoms can hinder a woman’s ability to take care of herself and her child and linger for several weeks or months. As overdose deaths 2020 proved to be a huge issue, it is necessary to be careful about the new moms so that do not turn to drugs or alcohol for relief and find themselves in a difficult position in life.

What Is Substance Abuse Postpartum?

Postpartum depression of then leads to the concept of one being an inefficient parent. It then leads to extreme remorse, self-doubt and humiliation. These unfavorable feelings can deepen depression and make it difficult for someone to cope. As a result, some may turn to alcohol or drugs in an effort to feel better. This is a negative type of coping mechanism that can even lead to feelings of guilt.

Substance misuse in the postpartum period is a severe and expanding issue for new moms. According to research, 8.5 percent of postpartum women take illicit drugs and 14.9% of them binge drink. Such actions can have terrible mental and physical effects.

But, with more people becoming aware of and understanding this problem, it will be feasible to assist those who are impacted by offering them assistance and coping mechanisms so they may live healthier lives for themselves and their families.

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Why do you need to Integrate Stress Management Coaching into your Life?

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Stress Management Coaching

If you are at the peak of your career, battling the highs and lows can be quite challenging. On one side, you are working through some of the best highs in your professional career but you could very well be battling a constant battle with stress on the side.

Stress can impair the quality of your life. So, even when you are reaching the top of your goals, battling stress might proactively debilitate your experiences in the long run. If you are looking for the best ways of stress management, stress management coaching is one of the best methods.

This guide will highlight some of the reasons why you need to inculcate reliable and best methods of stress management in your life.

  1. Identifying the triggers behind your stress

Stress isn’t an idiopathic phenomenon. For the most part, there are physical or emotional triggers that contribute to the issue. However, we are often so overwhelmed that we fail to recognize the true markers, further leading to deteriorating mental health.

Working with a stress management coach enables individuals to find their stressors and find proactive ways to mitigate those complications. If you are unable to identify the triggers on your own, chances are that you won’t be able to handle and navigate through them as well.

  1. Suggest ways to turn off the stressors

Another effective way in which a stress management coach can help is by providing lucrative and effective ways to navigate through those stressors. Instead of struggling internally and not being able to leverage the tools on how to manage stress naturally, working with a professional allows you to work through the shortcomings seamlessly and without any hassle.

Sometimes, these kinds of partnerships and professional support allow you to further navigate through the true path towards your success, something that stress could very well turn down for good.

  1. Rejuvenate your senses

If you feel constantly burdened and unproductive, it is likely the direct aftermath of the stress that you are constantly battling. But, working alongside a stress management coach allows you to have a healthy outlet to let go of that stress and find positive coping mechanisms to work around it. No longer will you have to worry about feeling down, affected, or not good enough.

When you feel more energized and ready to take action against every roadblock, it allows you to navigate through every hurdle imposed in your life and shine through in the end.

Considering a Career Switch?

If these pointers weren’t a giveaway, stress management coaching is a fast-establishing domain in the coaching niche. This signifies that the demand for coach training program focused on stress management is enhancing as well. Now is the time for you to find relevant, globally-certified, and acclaimed stress management coaching that will allow you to kickstart your journey in the mental fitness and wellness domain in the long run. Sometimes, all you have to do is think out of the box to make tangible changes to your life.

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