The Need for Health Insurance for Heart Diseases

HEART MEDICLAIM



Heart diseases are serious health conditions that can have fatal consequences without proper medical care. The number of deaths caused by cardiovascular diseases, in India, has increased at an alarming rate in the past decades. From costly medications to surgeries, getting treatment for heart-related ailments in the country can be burdensome especially for middle-class families.

Nowadays, there are customized heart health insurance policies available that offer coverage for heart diseases and protect a family’s finances. ‘ Care Heart’ is a health plan by Care Health Insurance (Formerly Religare Health Insurance) which covers pre-existing heart ailments. Plans like these are highly beneficial for cardiac patients who can get cashless treatment at any of the network hospitals and make their road to recovery easy.

Reasons to Choose Health Plans

Covers Major Heart Diseases:

Health insurance plans for heart patients are recommended as they can get coverage for medical expenses for serious heart-related conditions. For instance, a first-time bypass surgery, angioplasty, pacemaker replacement, valve replacement, treatment of cardiomyopathy and Rheumatic Heart Disease, etc.

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Pre-and-post hospitalization cover:

A major benefit of health plans is that they cover not just the hospitalization charges for a patient but also the associated medical costs for pre-and-post hospitalization involving doctor consultation fees, diagnostic tests, medication, etc. Care Heart offers pre hospitalization benefits for 30 days before hospitalization and 60 days after discharge from hospital.  

Cashless Treatment:

A heart patient may require prompt medical attention due to unexpected complications. He/she then goes for emergency hospitalization. In cases like surgery, hospitalization is planned in advance. In both the cases, the patient is eligible for cashless treatment facility under health insurance policy, provided he/she is admitted in a network hospital.

Health check-ups:

Constant monitoring of health condition and regular medical tests are required for a person suffering from a heart ailment. Health plans like ‘ Care Heart’ offer annual cardiac check-up which can save the patient from paying for such expenses from one's own pocket.

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When opting for health plans for heart patients, do check if they provide cover for alternative treatments and other benefits in terms of tax exemptions and no claim bonuses. These are added advantages that go a long way in ensuring financial savings.

Useful Tips to Pick Health Plan for Heart Ailment

If you or any of your family members have a heart condition, then you must opt for a health policy that offers all the benefits. This way, the burden of your treatment expenses can be greatly reduced, and you can also be stress-free about getting access to quality medical care. Moreover, such plans also have features like lifelong renewability which is an advantage.

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Health insurance plans for heart ailments provide different coverage amounts ranging from Rs 3 Lakh to Rs 10 Lakh. You must keep in mind some factors like the type of heart disease and the treatment expenses, considering the city you live in when picking the right plan to avoid getting under-insured.

Remember to check for criteria such as co-payment and waiting period. Also, when opting for a policy, do check the exclusions by thoroughly reading the policy document. This way you can be prepared financially to bear the unexpected medical costs in case of any emergency.