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Heart Disease Treatment Plans

Updated On May 18, 2022

Even though only a small percentage of the Indian population has meaningful insurance coverage, health insurance is increasing at a faster rate than other insurance products on the market. According to the WHO, around 45 million people in India have a cardiac condition, with the average age of first heart attack being less than 50 years. To defend against rising healthcare costs, insurance designed specifically for cardiac therapy has become required.

Heart Disease Treatment Plans

What Are the Advantages of Cardiovascular Care Insurance?

Many people in India are at risk for heart disease 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 cardiac health problems. Furthermore, healthcare costs have grown considerably in recent years. Increased medical costs are making a dent in the wallets of middle-class households. As a result, you should consider purchasing Cardiac Care Insurance from a reliable health insurance company to guarantee that you are covered in the event of an emergency. The primary purpose of these health insurance plans is to repay costs incurred as a result of hospitalization and treatment operations for the insured person's cardiac problems. These insurance plans provide the best treatment for your heart problems by including extensive coverage for heart-related therapies and other benefits.

Cardiac Care Insurance Plans That Work

Some of the greatest cardiac care insurance policies available in India include:

Bajaj Allianz Critical Illness Insurance

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

  • Heart attack is one of 10 dangerous disorders mentioned in total.
  • Expenses in India and elsewhere are reimbursed.
  • The amount covered can be increased at any time throughout the insurance renewal procedure.

The Heart of Care Insurance

Because there is no maximum age limit, this plan is suitable for seniors. It does, however, have a deductible, which varies according to the plan.

  • You can receive complete hospitalization coverage with a deductible option.
  • Individual or family floater coverage
  • Automatically recharges
  • This supplement is recommended for those who have undergone a prior cardiac procedure.

Star Cardiac Care Insurance

Anyone who has undergone a heart procedure within the last seven years is eligible for this plan. It also treats injuries and illnesses that are not related to the heart.

  • Prior to admission, no medical check is necessary.
  • Continuity throughout one's life
  • There are two options accessible to you. SILVER and GOLD
  • Only accidents and non-cardiac disorders are subject to a 10% deductible for individuals aged 61 and over.

Cardiac Care Plans Provide Coverage

The following are some of the primary benefits of cardiac care insurance:

  • Hospital bills

This covers all costs associated with a stay of more than 24 hours in the hospital.

  • Pre- and Post-Hospitalization Expenses

Pre-hospitalization (generally 30 days) and post-hospitalization (usually 60 days) expenditures for the insured are also included in healthcare spending.

  • Annual Health Checkups

Some insurance plans also provide yearly health examinations for all members, as well as a wellness program that focuses on bettering living habits.

Take Away

There is a range of options available, whether an individual has previously undergone surgery for a cardiac issue or is preparing 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.

Do read - What is High-Risk Coverage Health Insurance?


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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