हृदयाचे आजार असलेल्या व्यक्तींसाठीच्या हेल्थ इन्श्युरन्स विषयी सर्वकाही

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.

Importance of Health Insurance for Heart Patients in India

Cardiovascular diseases are one of the leading causes of hospitalisation and medical expenses in India. Having health insurance tailored for heart patients ensures timely access to treatment without worrying about high costs. It also reduces out-of-pocket expenses for surgeries, check-ups, and emergency care, making it crucial for individuals with a history or risk of heart disease.

Features of Cardiac Health Insurance Plans

Cardiac-specific health insurance plans are designed to provide extensive financial support for heart-related conditions. These plans often include:

• Coverage for angioplasty, bypass surgery, and other major heart procedures
• प्री- आणि पोस्ट-हॉस्पिटलायझेशनचा खर्च
• Coverage for diagnostic tests and follow-ups
• Renewal benefits for continued care
• Optional add-ons like wellness programs or cardiac rehabilitation support

Some plans also provide lump-sum payouts upon diagnosis of specified cardiac conditions. Policies from Bajaj Allianz General Insurance Company offer flexibility in choosing sum insured, add-ons, and lifetime renewability.

अधिक जाणून घ्या: Health Insurance for Diabetes: A Detailed Guide

कार्डियाक हेल्थ इन्श्युरन्स कव्हरेज खरेदी करण्याचे फायदे कोणते आहेत?

जर तुम्ही किंवा तुमच्या कुटुंबातील कोणीही व्यक्ती हृदय विकाराशी संबंधित असेल तर कार्डियाक हेल्थ इन्श्युरन्स प्लॅन निवडण्याचे फायदे खालीलप्रमाणे आहेत:

1. हॉस्पिटलायझेशन कव्हरेज

तुमच्या कार्डियाक हेल्थ इन्श्युरन्सचा भाग म्हणून हॉस्पिटलायझेशन कव्हरेज हृदयाशी संबंधित आजारासाठी आवश्यक उपचारांचा खर्च कव्हर करण्यास मदत करते. हृदय विकार संबंधित उपचार महत्त्वपूर्ण असल्याने वेळेवर हॉस्पिटलायझेशन मुळे रुग्णाचे प्राण वाचवण्यास मदत होते. अनेक हेल्थ इन्श्युरन्स प्लॅन्स प्री- तसेच पोस्ट-हॉस्पिटलायझेशन कव्हरेज प्रदान करतात ज्यामध्ये केवळ उपचार प्रदान करण्यास मदत करणे नाही तर उपचारांपूर्वी आणि नंतरच्या परिस्थितीसाठी देखील मदत प्रदान केली जाते, ज्यामध्ये काही आवश्यक टेस्ट आणि चेक-अपचा समावेश होतो. *

2. लंपसम पेमेंट

क्रिटिकल इलनेस इन्श्युरन्सचे स्वरूप म्हणजे ते निदानानंतर पॉलिसीधारकाला लंपसम पेमेंट प्रदान करते.. लंपसम पेआऊटसह पॉलिसीधारक उपचारांसाठी योग्यरित्या फंड कसा वापरावे हे ठरवू शकतो. *

3. उत्पन्नाच्या नुकसानीसाठी कव्हरेज

पॉलिसीधारक हा कुटुंबाचा एकमेव कमाई करणारा व्यक्ती असल्यास हॉस्पिटलायझेशन दरम्यान उत्पन्नाचे नुकसान कव्हर करण्यासाठी क्रिटिकल इलनेस प्लॅन उपयुक्त ठरु शकतो. *

4. फायनान्शियल कव्हरेज

कार्डिॲक पॉलिसी असल्याने हृदयाच्या स्थितीसाठी आवश्यक विविध उपचार जसे की हार्ट अटॅक इन्श्युरन्स प्लॅनद्वारे कव्हर केले जातात हे जाणून घेण्यास मदत होते. तुम्हाला उपचाराचा आर्थिक ताण घेण्याची गरज नाही आणि त्याऐवजी तुम्ही रिकव्हरीवर लक्ष केंद्रित करू शकता. *

5. पेमेंट साठी कपात

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 benefits are subject to change in tax laws. 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.

How Does Heart Health Insurance Work?

Heart health insurance works similarly to regular health insurance but is tailored to cover cardiac-specific medical events. Upon diagnosis or hospitalisation for a covered heart condition, the insurer pays the treatment cost as per policy terms. Some plans offer lump-sum benefits, while others operate on cashless or reimbursement models.

For example, in a health insurance plan by Bajaj Allianz General Insurance Company, you may be eligible for pre-approved cashless hospitalisation at over 18,400+ network hospitals across India, ensuring quality treatment without financial delays.

What is Covered Under Heart Health Insurance?

Most cardiac health insurance plans cover:

• Angioplasty, bypass surgery
• Hospitalisation due to heart-related conditions
• ICU/NICU charges
• Pre- and post-hospitalisation (typically 30-60 days)
• Diagnostic and lab tests related to heart conditions

What is Not Covered Under Heart Health Insurance?

Exclusions usually include congenital heart defects, cosmetic procedures, non-cardiac ailments, and conditions arising within the waiting period. Pre-existing cardiac conditions may be covered after a specific waiting period.

हृदयरोग असलेल्या व्यक्तींसाठी हेल्थ इन्श्युरन्स महत्त्वाचा का आहे?

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.

*प्रमाणित अटी लागू

कार्डिॲक हेल्थ इन्श्युरन्स प्लॅन्स खरेदी करण्याचा विचार कोणी करावा?

हृदयाची स्थिती अधिकाधिक सामान्य होत आहे आणि सर्व वयोगटातील लोकांवर परिणाम करू शकते. हृदयाशी संबंधित समस्यांसाठी आवश्यक दीर्घकालीन उपचार आणि काळजी आर्थिकदृष्ट्या अडचणीत आणणारी असू शकते. त्यामुळे, कार्डिॲक हेल्थ इन्श्युरन्स प्लॅन्स विशेषत: जीवनशैलीच्या आजारांच्या जोखीम असलेल्या व्यक्तींसाठी फायदेशीर आहेत, ज्यामध्ये हार्ट अटॅक, हार्ट फेल्युअर आणि इतर हार्ट प्रक्रिया यासारख्या हृदय व रक्तवाहिन्यासंबंधीच्या स्थितीचा समावेश होतो. जर तुमच्याकडे हृदयाच्या आजाराचा कौटुंबिक इतिहास असेल किंवा आधीच हृदयाच्या स्थिती बाबत तक्रारी असल्यास कार्डियाक हेल्थ इन्श्युरन्स पॉलिसी खरेदी करण्याचा विचार करणे योग्य आहे. हृदयाच्या उपचारांच्या वाढत्या खर्चासह, योग्य कव्हरेज असल्याने तुम्हाला आर्थिक तणावाशिवाय सर्वोत्तम काळजी मिळेल याची खात्री होऊ शकते, ज्यामुळे तुम्हाला तुमच्या रिकव्हरीवर लक्ष केंद्रित करण्याची आणि निरोगी जीवन राखण्याची परवानगी मिळते. आजच्या जगात, जिथे हृदयरोग उपचार महाग असू शकतात, एक समर्पित कार्डिॲक हेल्थ इन्श्युरन्स प्लॅन मनःशांती प्रदान करतो, जेव्हा तुम्हाला सर्वात जास्त गरज असेल तेव्हा आर्थिक संरक्षण प्रदान करतो.

अधिक जाणून घ्या: हेल्थ इन्श्युरन्स मध्ये प्रतीक्षा कालावधी

एफएक्यू

Does critical illness insurance cover heart-related conditions?

Yes, many critical illness plans include coverage for major heart-related conditions like heart attack, coronary artery bypass, and more.

Are expenses related to heart failure included in cardiac health insurance plans?

Yes, hospitalisation due to heart failure is generally covered, subject to policy terms and waiting periods.

What are the eligibility criteria for buying a cardiac health insurance policy?

Eligibility usually includes age limits and health checks. Those with existing conditions might face longer waiting periods or higher premiums.

Do cardiac health insurance plans have sub-limits on treatments or procedures?

Some plans may apply sub-limits on procedures like angioplasty. Always review policy documents carefully before purchase.

* *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. 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.