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Sep 14, 2022

Everything About Health Insurance for People with Heart Diseases

There are various health insurance plans one can go for when it comes to selecting suitable insurance coverage. Individual plans, family floater plans, critical illness plans, and senior citizens' plans are some of their examples. While each policy is designed keeping in mind a specific use case, the selection of the right policy must be based on your requirements. A concerning statistic presented by the Indian Heart Association reports that over half of heart attacks are experienced by people under the age of 50. Further, half of these heart attacks are faced by those who are under the age of 40. With these unsettling numbers, the need for cardiac health insurance plans seems more important than ever, even for the youth. Among the several ailments that are covered under various insurance plans, heart ailments are also covered by health insurance policies. As a result, policyholders can keep up with the rising medical costs and seek timely treatment for the different kinds of heart diseases.

Why is Health Insurance Critical for People with Heart Ailments?

The instances of cardiovascular ailments like heart attacks, strokes, and high cholesterol are growing in India due to a sedentary lifestyle, unhealthy eating habits, and mounting stress. While a balanced diet and healthy lifestyle with exercise are essential, the probability of a heart ailment cannot be nullified completely. Thus, a health insurance plan, more specifically, a critical illness insurance plan that covers these treatments is essential to combat the soaring cost of medical treatments. In this policy, the coverage is primarily aimed at providing coverage for heart diseases and facilitating financial protection for treatments like coronary bypass surgery, stents, and so on. *Standard T&C Apply

What are the Advantages of Buying Cardiac Health Insurance Coverage?

If you or someone from your family is facing a heart condition, the following are the advantages of choosing a cardiac health insurance plan:
  • Hospitalization Coverage

Hospitalization coverage as part of your cardiac health insurance helps to cover the treatment costs that are required for a heart-related ailment. Since treatment for a cardiac ailment is critical, timely hospitalization will help save the life of the patient. Many health insurance plans provide pre- as well as post-hospitalization coverage helping not just provide for the treatment, but also for the situations before and after the treatment, which involve some necessary tests and checkups. *
  • Lumpsum Payment

The very nature of critical illness insurance is that it provides a lump sum payment to the policyholder on the diagnosis. With a lump sum payout, the policyholder can decide how to use the funds appropriately for treatment. *
  • Coverage for Loss of Income

A critical illness plan comes in handy in covering the loss of an income source during hospitalization in case the policyholder is the sole breadwinner of the family. *
  • Financial Coverage

Having a cardiac policy helps in having peace of mind, knowing that the various treatments required for heart conditions like a heart attack are covered by the insurance plan. You need not take the financial stress of the treatment and instead focus on the recovery. *
  • Deduction for Payment

Apart from the health benefits of a critical illness plan, a deduction is also allowed in the income tax returns. The amount of deduction is subject to the prevailing tax laws. You must remember that tax benefit is subject to change in tax laws. * *Standard T&C Apply You must have heard that health is the real wealth and protecting it using a health insurance policy is the safest bet to live your life. If you have a family history of cardiac ailments, you can even opt for health insurance for senior citizens that covers heart conditions to keep your parents protected at all times.   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.  

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