Health insurance policies usually cover all expenses related to hospitalisation, diagnostic tests, outpatient consultations, and treatments under standard respiratory illness provisions. Apart from this, ICU admissions, oxygen therapy, and post-hospitalisation recovery costs. may also be covered, although all these specifications should be included in your plan. The coverage terms of each insurance plan may differ, so it is important that you understand the terms of your policy and confirm what type of coverage you are getting. It provides you financial security for medical expenses, especially if you seek treatment for a serious respiratory condition.