What are the Benefits of Care Heart Mediclaim?

The need and importance of heart mediclaim can be understood by the fact that heart diseases are no longer associated with old age. There has been a significant rise in the number of young people suffering from heart conditions. Lifestyle choices and demanding urban life are the two factors contributing to increasing cases of heart ailments in the younger population. Hence, it becomes necessary to have a heart care insurance plan early in life, as it provides better coverage for high treatment costs compared to a regular health insurance plan. 

Managing heart ailments includes various medical expenses like diagnostic tests, doctor’s consultations, hospitalisation and surgery. A heart mediclaim is a health insurance plan that provides specific coverage for specific heart-related medical expenses. It is a plan suitable for heart patients to protect them financially against the high treatment costs. Such plans for diseases specific to the heart cover the costs of medical tests, hospitalisation and post-operative care. This article explains the importance and benefits of heart insurance and how does Care Heart Mediclaim come to your rescue during a medical emergency. Keep reading!

What is Care Heart Mediclaim?

Care Heart Mediclaim is a health insurance plan that provides extensive coverage for 16 heart ailments specified in the policy. Care heart coverage is available on an indemnity basis and starts from ₹ 10 lakhs and goes up to ₹ 1 crore. The scope of coverage under heart mediclaim includes:

• Hospitalisation expenses cover a minimum of 24 hours of inpatient care required for the treatment of listed conditions. It also covers daycare treatments and advanced technology medical procedures.
• Pre and post-hospitalisation expenses are also covered for 30 and 60 days on a reimbursement basis. 
• Ambulance cover is available up to the specified limit per hospitalisation. It includes transportation costs to the hospital in case of an emergency.
• Organ donor cover is available up to the specified limit towards the organ donor for undergoing organ transplant surgery.
• Annual health check-ups are available once per policy year, from the second policy year on continuous coverage. A list of medical tests covered in the annual health check-up is specified in the policy.
• A second opinion is available once per policy year within India, in case the insured is not satisfied about the diagnosis made.
• No claim bonus of up to 100% of the sum insured is available for 3 consecutive claim-free year.
• Alternative treatments are covered up to the specified limit. Coverage is available only for inpatient care in a Government-recognised hospital or facility.
• Health services including quick recovery counselling, doctor on call and health portal are also available to provide support to the insured during his recovery phase.
• Global coverage is also available if you opt for the sum insured value of more than ₹ 1 cr. 
• OPD expenses including diagnostics, consultations and pharmacy are covered up to the limit specified in the policy.

16 Listed Ailments under Care Heart Mediclaim

Listed below are 16 heart ailments that are covered under our heart mediclaim insurance. 

• Pulmonary Thromboembolism 
• Primary(Idiopathic) Pulmonary 
• Infective Endocarditis 
• Heart Valve Replacement/repair 
• Surgery of Aorta 
• Cardiomyopathy
• Surgery for cardiac arrhythmia 
• Angioplasty
• Balloon Valvotomy/Valvuloplasty 
• Carotid Artery Surgery 
• Coronary Artery Bypass Graft 
• Pericardectomy
•  Surgery to Place Ventricular Assist Devices or Total Artificial Hearts
• Myocardial Infarction
• Implantation of Pacemaker of Heart 
• Implantable Cardioverter Defibrillator 

Benefits of Heart Mediclaim

A heart mediclaim offers many benefits as mentioned below:

Extensive Coverage for Heart Conditions

A heart mediclaim provides coverage for a wide range of heart ailments such as angioplasty, heart valve surgery, myocardial infarction, etc. These expensive treatments are covered upto the sum insured opted under a heart mediclaim including hospitalisation costs, pre and post-hospitalisation costs, etc.

High Sum Insured

A heart care insurance plan offers a high sum insured value considering the high treatment costs. Care cardiac health insurance policy offers a sum insured up to ₹ 1 crore.

Access to Quality Healthcare

With the help of heart mediclaim, you get access to the best medical treatment at the top hospitals in the insurer’s network. You can avail the best medical care with cashless benefits at insurer’s network hospitals. 

Emergency Care

For a heart patient, a slight delay in treatment can cost his life. With a heart mediclaim, you can get timely medical care during an emergency. It allows you to avail cashless emergency treatment that ensures quality healthcare in times of need.

Preventive Check-ups and Rehabilitation Services

A heart mediclaim also covers preventive cardiac check-ups for early detection of heart conditions and to avoid heart issues in future. Additionally, it also covers rehabilitation services to ensure recovery after treatment for a heart condition.

Income Tax Benefits

Investing in a heart insurance plan makes you eligible for income tax deductions under section 80D of the Income Tax Act.

Takeaway!

Dealing with a heart condition without any financial support can be overwhelming. A cardiac health insurance ensures that all medical expenses are taken care of while you are undergoing treatment. To get the maximum benefits of heart mediclaim, it is crucial to select a plan according to your medical needs and financial situation.

>> Also Read: Importance of Heart Mediclaim

Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.