Health Insurance for Heart & Cardiac Patients

Medical emergencies come unannounced. Thus having Health Insurance to avoid any financial burden at the time of a medical emergency has become a necessity.

Moreover, the prevailing sedentary lifestyle leads to deteriorated health conditions, which makes it even more important to be prepared with protection for unforeseen medical emergencies.

When it comes to heart-related diseases Cardiovascular diseases (CVDs) have now become the leading cause of mortality in India where Ischemic heart disease and stroke are the predominant causes and are responsible for >80% of CVD deaths.*

*World Health Organisation

Further to this, as per the Indian Heart Association, 50% of all heart attacks in Indian men occur under 50 years of age and 25% of all heart attacks in Indian men occur under 40 years of age.*

*Indian Heart Association

Another challenge that one may face while getting treated for any heart-related disease is the treatment costs. Over the years, Heart Care Treatment costs have increased exponentially and most of the treatments are not even affordable for the general public.

For example, the cost of an open heart surgery ranges from Rs 1.75 lakh to 4.25 lakh. Coronary angiography is likely to cost around Rs.10,000 to Rs. 15,000. Moreover, valve surgeries could easily cost you between Rs 2.5 lakh- 4 lakh. Hence having Health Insurance for Heart patients becomes the biggest support during any such emergency.

In order to safeguard yourself & your family against rising healthcare costs, Insurance designed specifically for Cardiac Care has become indispensable. Read more to find out more:

What is Cardiac Health Insurance?

If we go by the above figures, Cardiovascular Diseases (CVDs) are one of the primary causes of mortality in India. Therefore, to help people cope up with the exorbitant heart treatment cost, General Insurers in India has introduced Health Insurance for cardiac patients. Such plans offer coverage against the expenses arising due to hospitalization and treatment procedures for the cardiac conditions of the Insured person.

Insurance Companies that offer Cardiac Health Insurance

Take a look at the below table where we have mentioned some of the Health Insurance companies that cover the expenses incurred due to cardiac ailments.

Key Features of Cardiac Health Insurance

Take a look at the below table where we have mentioned some of the Health Insurance companies that cover the expenses incurred due to cardiac ailments.

What is Covered under Cardiac Health Insurance?

Treatments or Medical Procedures Covered

Following treatments are generally covered under a Cardiac health insurance plan:

**Note: The above procedures may vary from Insurer to Insurer. Before buying a Cardiac Health plan, you must check with your Insurer about the coverage of these procedures.

What is Not Covered Under Cardiac Health Insurance?

Following treatments are not covered under a Cardiac health insurance plan:

How Is Cardiac Health Insurance Different from Regular Health Insurance?

Often people get confused about how their regular Health Insurance is different from specific Cardiac Health insurance. Well, though it's true that your regular Health Plan will cover all the Hospitalisation Expenses (Pre & Post). However, there is a certain sub-limit that comes when coverage is offered against any Critical Illness such as cardiac ailments or cancer.

Moreover, considering the rising incidences of Cardiac Diseases in India, it is better to be prepared in advance for any uncertainties. Having a Cardiac Health plan will ensure that you have a customized fixed benefit health plan that only caters to conditions related to the heart.

Who Should Buy Cardiac Health Insurance?

Earlier it was a notion that people above 40 or with obesity were at the risk of getting a cardiac attack. However, with the habits we have or the lifestyle we are leading, cardiac ailments can affect anyone in any age group.

Moreover, the treatment for heart-related ailments are on a constant rise and can cost one his life-long savings.

Thus it is recommended to have Cardiac Health Insurance if you have a sedentary lifestyle which makes you prone to lifestyle diseases including cardiovascular ailments such as heart attacks, heart failure, etc.

With adequate Cardiac cover, one can avail of the best treatment and lead a healthy life without worrying about the cost of the treatment.