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Health Insurance Plans For Heart Disease

Updated On Mar 24, 2022

Even though just a small fraction of the Indian population is insured with a substantial insurance cover, health insurance is growing at a significant rate when compared to different other insurance products available in the market. According to a WHO estimate, over 45 million individuals in India have a heart ailment, and the average age of first heart attack is currently less than 50 years.

Health Insurance Plans For Heart Disease

Why Is Cardiac Care Insurance So Important?

Many people in India are at risk of heart disease as a result of poor food habits, insufficient physical activity, work-related stress, and a sedentary lifestyle. Aside from that, India's death rates have risen as a result of the country's population's rising cardiac health difficulties. Furthermore, in recent years, the cost of healthcare has risen considerably. Medical costs are increasing, putting a strain on the finances of middle-class households. As a result, you should get Cardiac Care Insurance from a reliable health insurance company to ensure that you are covered in the event of an emergency. The major goal of these health insurance policies is to provide reimbursement for expenses incurred as a result of hospitalization and treatment procedures for the insured person's heart ailments. These insurance plans provide the best care for your heart problems by providing complete coverage for heart-related treatment as well as other benefits.

Cardiac Care Health Insurance Plans

1. Bajaj Allianz Critical Illness Insurance

The Bajaj Allianz Critical Illness Plan is a one-stop solution for any life-threatening medical illness. In the event of a medical emergency, the coverage provides the required financial support.

  • There are ten critical illnesses covered in all, including heart attack.
  • Expenses in India and abroad are reimbursed.
  • The sum insured can be increased throughout the insurance renewal process.

2. Care Heart Insurance

This plan is a fantastic alternative for senior citizens as there is no maximum entry age. It does, however, have a deductible, which varies according to the plan.

  • You can receive comprehensive hospitalization coverage with a deductible option.
  • Coverage for a family as an individual or as a floater
  • Automatically recharges
  • This supplement is recommended for people who have undergone a previous cardiac procedure.

3. Star Care Cardiac Insurance

People who have already undergone some heart operation in the last 7 years can choose this plan. It also treats injuries and illnesses that are not related to the heart.

  • Prior to admission, no medical check is required.
  • Renewability during one's life
  • There are two types of options available. GOLD and SILVER
  • 10% of the total For patients aged 61 and up, the deductible is only applicable to accidents and non-cardiac diseases.

4. ICICI Pru Heart/Cancer Protect Insurance

This plan covers heart disease and/or cancer. It provides a premium waiver for some modest heart and cancer illnesses.

  • Separate sums are guaranteed for heart and cancer care, as well as a cash benefit of Rs. 5,000 per day for hospitalization.
  • Survival time - 7 days for Heart cover. 
  • Optional Income benefit cover of 1% of the total assured. There is no coverage for cancer.

5. Oriental Insurance Individual Mediclaim

The coverage is accessible to anyone aged 18 to 70 and includes the following benefits:

  • Renewals for life with a maximum sum insured of Rs 10 lakh.
  • During the insured term, hospitalization due to an accident, acute illness, or surgery is covered.
  • For persons under the age of 55, no medical examinations are required.

Take Away

Whether a person has already had a procedure for a heart condition or is preparing enough coverage for life's uncertainties, there are a variety of solutions available. Most policies will require a waiting period, as well as a survival term in the case of fixed benefit insurance. Individuals who are insured can also save money on their premiums.

Also read- How Can We Prevent New Variants From Emerging?

How Can You Improve Your Current Health Insurance Policy?

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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