Heart Insurance is an essential protection plan for individuals with a proven family history of heart ailments or someone who is recovering from a heart ailment. There are multiple features and benefits under heart insurance plans that allow insurance holders to take better care of their heart health. Regular heart check-ups, treatments, surgery cover, and hospitalization cover for heart patients reduce a lot of financial stress from the individual recovering or getting treated for any heart ailment.
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 according to the data provided by the 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.
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:
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.
Take a look at the below table mentioning some of the Health Insurance companies that cover the expenses incurred due to cardiac ailments.
Heart ailments are expensive to treat and will drain out your hard-earned savings in case you do not have comprehensive heart insurance. Hence, health Insurance for heart patients is necessary as they prevent hefty medical bills as well as provide the peace of mind to the insured individual to focus on their recovery. Health insurance for cardiac patients is a boon as it covers major hospitalization expenses, day care procedures, ambulance cover, cashless hospitalization, annual cardiac check-up, domiciliary hospitalization, alternative treatments, and more.
Heart patients in India are on a constant rise due to sedentary lifestyles and lack of physical activity. Unhealthy lifestyles such as a lack of nutritious diet, smoking, drinking, and no physical activity are pushing the Indian population towards increased risk of cardiac arrest, strokes, and more.
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.
Having Cardiac Health Insurance will allow the policyholder to get treatment coverage for an extensive list of cardiac conditions and procedures.
Fixed Lump Sum Payout
The policyholder is eligible to avail of the fixed lump sum payment, irrespective of actual expenses incurred for diagnosis/procedure.
Coverage for Income Loss
Under this type of Health Insurance plan, you will be compensated for the loss of your income as the claim amount can be used to incur household expenses too.
Like all other Health Insurance plans, under Cardiac Health plans, you are eligible for Tax Deductions under Income Tax Act.
Avail plan options
Heart Insurance provided by insurance providers offers various plan variants offering multiple benefits and features beneficial for the insured individual. Many health insurances for heart patients offer benefits such as income benefits, indexation benefits, hospitalization benefits, lifelong renewability, and more.
Regular Cardiac Health Check-Ups
Heart Insurance covers insured individuals for regular cardiac health check-ups which is an essential part of cardiac health care and optimal recovery.
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.
Following treatments are not covered under a Cardiac health insurance plan:
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.
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.
To buy Health Insurance for Heart patients online, you can follow two options: