How Can I Get a Health Insurance Policy if I Have Allergies?

These days, allergies are common due to the increase in pollution. What if an allergy causes you to wind up in the hospital? Does it fall within the scope of health insurance?

According to statistics, allergies affect roughly 30% of the Indian population. Young adults and children between the ages of 20 and 28 typically suffer the most. The most prevalent allergies include food, dust, skin, and other substances. These allergies can either be benign or, on rare occasions, lethal. There has been a rise in the number of persons experiencing various allergic reactions; blame the rising pollution levels.

A heightened awareness of the need to purchase a health plan is also a result of the increasing prevalence of illnesses. 

Did you know? During the fiscal year 2021, 514 million people in India have access to health insurance plans [1]. But what about health insurance in the event of allergies? Do the health insurance plans cover allergies? When asked if their health plan will cover allergies or not, most are perplexed. People avoid purchasing a health plan, worried their allergies won’t be covered. To discover the reality, we must first comprehend the two major types of allergies:

• Common allergies – If you have an allergy to dust, it might make you sneeze uncontrollably, making it difficult to breathe, or produce rashes on your skin. These allergies are typically widespread and do not cause deadly complications or cause untimely demise. After some time, the medication helps you recover from the allergy and return to normal.

• Severe allergies – Certain allergies can result in an anaphylactic reaction, in which our immune system overreacts to the allergen. Such situations result in severe reactions such as loss of consciousness, significant respiratory issues, etc. and frequently necessitate hospitalisation. They can even be fatal if prompt treatment is not received.

Insurance for health and allergies

Your health insurance covers severe allergies that could result in hospitalisation and the accompanying costs.* On the other hand, chronic allergies that are not life-threatening are not covered by the plan.

Things you should know:

• Purchase a health insurance plan – You could have been discouraged by some claim that your policy does not cover typical allergies. But it would help if you considered the more comprehensive picture instead. Specific allergies are easily handled and don’t cost a lot of money. On the other hand, severe allergies necessitate hospitalisation, which adds to the cost. You will benefit from it because your health plan will cover severe allergies. Purchasing a health plan becomes even more crucial if you have an allergy because the insurer will cover your hospital expenses if the allergy gets serious. Additionally, your health plan will cover additional hospitalisation costs unrelated to your allergy, providing you with comprehensive coverage*. You can compare the different plans and their coverage for allergies using a health insurance premium calculator.

• Get a professional opinion: Regardless of whether your insurance policy covers all the allergens you may be concerned about, it is always preferable to get a professional view. All health insurance providers provide toll-free phone numbers and are often manned during regular business hours. You can also compare health insurance and the other perks they provide*.


You can be eligible to get a health insurance policy because of your allergy. If you have allergies, health insurers will still give you a plan and even cover your severe allergies. Being allergic makes having a health plan even more crucial because if your allergy is severe enough to put you in the hospital, someone will need to pay your medical fees.

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.