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Heart Disease Health Insurance Plans

Published On Mar 11, 2022, Updated On Mar 12, 2022

Even though just a tiny fraction of the Indian population is covered with a meaningful insurance cover, health insurance is growing at a substantial rate compared to other insurance products available in the market. According to a WHO estimate, around 45 million individuals in India have a cardiac ailment, and the average age of first heart attack is currently less than 50 years. Insurance created exclusively for cardiac treatment has become necessary to protect against escalating healthcare expenditures.

What are the Benefits of Having Cardiac Care Insurance?

Due to poor dietary habits, little physical activity, work-related stress, and a sedentary lifestyle, many individuals in India have grown exposed to different heart-related illnesses. Aside from that, death rates in India have increased as a result of numerous heart health issues in the population. In addition, the expense of healthcare has risen dramatically in recent years. Increased medical expenditures are putting a hole in middle-class families' wallets. As a result, it is suggested that you acquire Cardiac Care Insurance coverage from a reputable health insurance provider 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 expenditures incurred as a result of hospitalization and treatment procedures for the covered person's heart ailments. These insurance plans give the finest care for your cardiac issues by providing comprehensive coverage for heart-related therapy and other perks.

Cardiac Care Plans Provide Coverage

Some of the major coverage provided by cardiac care plans is shown below:

  • Expenses incurred while in the hospital: This covers any expenditures incurred as a result of hospitalization for longer than 24 hours.

  • Expenses for Pre-Hospitalization and Post-Hospitalization: Healthcare spending does not stop at hospitalization; it also includes pre-hospitalization (usually 30 days) and post-hospitalization (typically 60 days) expenses for the insured.

  • Annual Health Examinations: Some insurance plans additionally provide yearly health screenings for all insured persons, as well as a wellness program aimed at improving living behaviors.

  • Hospitalization at home: If an insured person is unable to go to a hospital for treatment, or if there is no available bed at a healthcare center or hospital, or if there are some particular therapies that may be conducted as an outpatient, domiciliary hospitalization is an option.

  • Expenses for an ambulance: Ambulance charges refer to the costs incurred by the insured individual in traveling from his or her home to the hospital.

  • Deductions from taxes: Premiums paid for health insurance plans for self, spouse, dependent children, and parents are tax-free under section 80 D of the Income Tax Act.

Best Cardiac Care Insurance Plans

The following are some of the best cardiac care insurance plans available in India:

  1. Critical Illness Insurance from Bajaj Allianz

The Bajaj Allianz Critical Illness Plan is a quick fix for any catastrophic medical condition. The coverage gives the necessary financial assistance in the event of a medical emergency.

  • There are ten serious diseases covered in all, including heart attack.

  • Expenses incurred in India and abroad are covered.

  • The sum insured can be raised throughout the insurance renewal process.

  1. Insurance for the Heart of Care

This plan is ideal for older folks because there is no upper age limit. It does, however, have a deductible that varies per plan variety.

  • With a deductible option, you can get comprehensive hospitalization coverage.

  • Individual or floater coverage for a family

  • Recharges automatically

  • Individuals who have had a previous heart operation are advised to take this supplement.

  1. Cardiac Care Insurance by Star

This plan is available to anyone who has had a cardiac operation within the previous seven years. It also provides treatment for non-cardiac injuries and illnesses.

  • There is no medical screening required prior to admittance.

  • Renewability during one's life

  • There are two types of choices available. GOLD and SILVER

  • For patients aged 61 and over, a 10% deductible is only applicable for accidents and non-cardiac diseases.

Take Away

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.

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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