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Health Insurance Plans For Heart Ailments

Published On Jan 18, 2022 10:00 AM By InsuranceDekho

Health insurance is expanding at a large rate compared to other insurance products available in the market, despite the fact that only a tiny fraction of the Indian population is insured with a meaningful insurance cover. According to a WHO estimate, over 45 million Indians suffer from a cardiac condition, with the average age of first heart attack today being less than 50 years.

Acute heart disorders such as refractory heart failure, myocardial infarction or heart attack, cardiomyopathy, and others are covered by cardiac health insurance coverage. Heart sufferers must also obtain health insurance in order to deal with these medical issues without financial burden. To understand more about health insurance plans for heart ailments, read on.

Health Insurance Plans For Heart Ailments

Why Is it Necessary To Get Health Insurance Plans For Heart Ailments?

Many people in India have been exposed to various heart-related disorders as a result of poor eating habits, lack of physical activity, work-related stress, and a sedentary lifestyle. Aside from that, India's death rates have risen as a result of the population's various heart health problems. Furthermore, the cost of healthcare has skyrocketed in recent years. Increased medical expenditures are putting a strain on the budgets of middle-class households. As a result, you should get Cardiac Care Insurance from a reliable health insurance provider to guarantee that you are covered in the case of an emergency. The main purpose of these health insurance plans is to compensate the covered individual for expenditures incurred as a consequence of hospitalisation and treatment procedures for cardiac problems. These insurance plans provide the best care for your heart problems by offering complete coverage for heart-related therapy as well as other benefits.

Coverage Offered Under Health Insurance Plans For Heart Ailments

Following are the coverage features that come under health insurance plans for heart ailments -

1. In-Hospitalization Expenses - This covers any expenses incurred during a stay of more than 24 hours in the hospital.

2. Pre-Hospitalisation and Post-Hospitalisation Expenses - Healthcare spending does not stop at hospitalisation; it also covers pre-hospitalisation (typically 30 days) and post-hospitalisation (usually 60 days) expenses for the insured.

3. Annual Health Check-ups - Some insurance policies include yearly health screenings for all policyholders, as well as a wellness programme targeted at changing lifestyle habits.

4. Domiciliary Hospitalization - Domiciliary hospitalisation is an alternative if an insured individual is unable to go to a hospital for treatment, if there is no open bed at a healthcare centre or hospital, or if some therapies may be completed as an outpatient.

5. Ambulance Expenses - The expenditures paid by the insured individual in travelling from his or her house to the hospital are referred to as ambulance expenses.

6. Tax Rebates - Section 80 D of the Internal Revenue Code allows you to deduct premiums for health insurance coverage for yourself, your spouse, your dependant children, and your parents.

Why Should A Person Get Health Plans For Heart Ailments?

Cardiac disorders are on the rise, and they can strike anybody at any age. Treatment may be costly, putting a burden on anyone's resources. As a consequence, cardiac health insurance policies are suitable for people who are at risk of lifestyle diseases such as heart attacks, heart failure, and other cardiovascular disorders requiring a heart operation. People who have heart problems or a family history of heart disease may consider getting cardiac health insurance coverage.

Treatment for heart-related problems can be costly these days, but with the right health insurance, even heart patients can receive the best treatment and live a healthy life without fear.


There are a range of options available, whether an individual has previously undergone a surgery for a cardiac issue or is looking to secure enough coverage for life's uncertainties. Before benefits commence, most policies will have a waiting period and, in the case of fixed benefit policies, a survival term. Individuals who are insured may be eligible for premium tax savings.

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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