Health Plans for Heart Ailments
Published On Jan 04, 2022 10:00 AM By InsuranceDekho
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Even though just a small percentage of the Indian population is insured with a meaningful insurance cover, health insurance is growing at a significant rate compared to other insurance products available in the market. According to a WHO estimate, around 45 million people in India have a cardiac ailment, and the average age of first heart attack is now 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 plans. And, in order to deal with these medical situations without financial strain, heart patients must purchase health insurance. To know more about health plans for heart ailments, read on.
Why Is it Important To Get Health Plans For Heart Ailments?
Due to poor dietary habits, little physical activity, work-related stress, and a sedentary lifestyle, many people in India have become exposed to different heart-related illnesses. Aside from that, death rates in India have increased as a result of numerous cardiac health issues in the population. In addition, the expense of healthcare has risen dramatically in recent years. Increased medical costs are putting a dent on middle-class families' wallets. As a result, it is recommended that you acquire a Cardiac Care Insurance coverage from a reputable health insurance company to ensure that you are insured 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 hospitalisation and treatment procedures for the insured person's heart ailments. These insurance plans give the finest care for your cardiac issues by providing comprehensive coverage for heart-related treatment and other perks.
Coverage Offered Under Health Plans For Heart Ailments
Following are the coverage offered under health plans for heart ailments -
- In-Hospitalization Expenses - This covers all costs associated with a stay in the hospital for more than 24 hours.
- Pre-Hospitalisation and Post-Hospitalisation Expenses - Healthcare spending is not limited to hospitalisation expenditures; it also compensates the insured for pre-hospitalisation (usually 30 days) and post-hospitalisation (usually 60 days) expenses.
- Annual Health Check-ups - Some insurance plans provide annual health check-ups for all insured people, as well as a specific wellness programme aimed at improving lifestyle behaviours.
- Domiciliary Hospitalization - If an insured person is unable to travel to a hospital for treatment, or if there is no available bed at a healthcare centre or hospital, or if there are some particular therapies that can be performed as an outpatient, domiciliary hospitalisation is an option.
- Ambulance Expenses - Ambulance expenses refer to the costs incurred by the insured person in travelling from his or her home to the hospital.
- Tax Rebates - Premiums paid towards health insurance policies for self, spouse, dependent children, and parents are tax deductible under section 80 D of the Income Tax Act.
Why Should An Individual Get Health Plans For Heart Ailments?
Cardiac diseases are becoming more common, and they can affect people of all ages. The high cost of treatment can put a strain on anyone's finances. As a result, cardiac health insurance plans are appropriate for those who are at risk for lifestyle diseases such as heart attacks, heart failure, and other cardiovascular conditions that necessitate a heart operation. People with heart issues or a family history of cardiovascular disease should think about purchasing a cardiac health insurance policy.
Treatment for heart-related disorders might be expensive nowadays, but with proper health insurance, even heart patients can get the greatest care and live a healthy life without worrying about the expense.
Whether an individual has already had a procedure for a heart condition or is arranging enough coverage for life's uncertainties, there are a variety of possibilities. Most policies will include a waiting period and, in the case of fixed benefit policies, a survival term before benefits begin. Individuals who are insured can also get tax breaks on their premiums.
Also read - Why Is Top-Up Health Insurance Plan Important?
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.