India is one of the countries in the world which is recognized for having superior medical care facilities for heart-related ailments. Many foreigners come to India to get treatment owing to the affordable medical costs. There are millions of Indians too who are suffering from heart ailments. However, for a lot of them, treatment at a private hospital is still an expensive affair.
Buying a customized health insurance plan for heart ailments has become necessary to lessen this cost burden. ‘Care Heart’ is a health policy by Care Health Insurance (Formerly Religare Health Insurance) that provides coverage for pre-existing heart ailments.
Such plans are highly beneficial as they cover expenses for a variety of medical procedures.
We discuss some treatment procedures and their costs in India.
Coronary Bypass Surgery
A Coronary Bypass Surgery is required for a person whose artery reaching the heart is blocked. It is a medical procedure wherein blood is redirected around the blockage to improve the blood flow. Bypass Surgery is necessary for patients with serious heart disease. The cost of this procedure in India ranges between Rs 3 Lakh and Rs 5 Lakh.
However, as these expenses get covered under the best health insurance plans for heart diseases, such as ‘Care Heart’, one can remain stress-free and concentrate on recovery.
Coronary Angioplasty is a procedure done for opening the clogged arteries of the heart. Usually, doctors place stents, a small wire mesh tube, to open the arteries. Patients suffering from atherosclerosis, a condition where plaque deposits inside arteries, need this procedure when medication does not work. In India, the expenses of this treatment is somewhere between Rs 1 lakh and Rs 3 lakh.
Valve replacement is a surgical procedure done when any of the heart valves of a person does not function properly. Valves need to be healthy to ensure easy blood flow. Under such medical procedures, including open-heart surgery, the affected heart valve is repaired or replaced.
The cost varies valve replacement surgery from Rs 2.5 Lakh to Rs 5.5 Lakh, depending on the city you are being treated in.
This medical procedure involves the insertion of a small electronic device in the patient’s chest in order to regulate the abnormal heart rhythm. It helps prevent the heartbeat from dropping to an alarmingly low rate. Pacemaker insertion would be required for people with arrhythmia – a condition of irregular heartbeat. The price of the Pacemaker device in India ranges from around Rs 45,000 to as high as Rs 3 lakh.
Why Should You Buy Health Insurance?
Besides the above-mentioned procedures, the treatment of heart diseases including cardiomyopathy and rheumatic heart disease involves a lot of expenditure. That involves regular diagnostic tests such as blood tests, ECG tests, etc. and medications, all leading to a lot of expenses. In the case of heart failure, the only option is an organ transplant.
One must realize that some heart conditions are irreversible and hence may require long-term treatment. Thus, it is wise to take precautionary measures to keep such ailments at bay. It is also essential to buy health plans. Having health insurance plans for heart ailment will help cover most of your medical expenses including costs incurred for an ambulance, ICU and alternate treatments.