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Cardiovascular diseases are one of the leading causes of deaths all over the world. Cardiovascular disease refers to a condition that impacts your heart and blood vessels such as strokes, heart attacks, heart failure, and arrhythmias. There are many reasons why people suffer from heart conditions, which may include a family history of heart ailments, unhealthy lifestyle, stress, pre-existing diseases, obesity, etc. Getting treatment for any of these conditions can severely affect your finances. Hence, buying a heart mediclaim policy is important not just for covering expensive medical treatments but also for accessing preventive healthcare for early detection of heart issues.
So to make an informed decision, let us first understand what a heart mediclaim is, and who should buy it.
What is a Heart Mediclaim?
A heart mediclaim is a type of health insurance plan that provides extensive coverage for hospitalisation and medical treatment costs related to heart conditions. Many people assume that a standard health insurance plan will suffice for covering hospitalisation expenses. However, given the expenses and the wide range of treatments associated with heart ailments, a regular health insurance policy may not offer complete coverage. To better understand, let us compare both regular health insurance and heart mediclaim.
| Features | Regular Health Insurance | Heart Mediclaim |
|---|---|---|
| Coverage | Provides coverage for all specified medical expenses | Covers specific ailments related to the heart |
| Sum Insured | Offers moderate sum insured options | Offers high sum insured options |
| Additional Benefits | Regular health insurance may or may not provide additional benefits | Provide many relevant additional benefits such as international second opinion, doctor-on-call, quick recovery support and so on |
| Waiting Period | It has a waiting period for specific illnesses | It has no specific waiting period for heart-related ailments |
Who Should Opt for Heart Mediclaim?
There is no straightforward answer to the question of who should opt for a heart mediclaim. Earlier heart issues were associated with old age but it is not the case now as many young people are getting heart issues. Anyone with an existing heart condition must opt for a heart patient’s mediclaim. However, whether you need a heart mediclaim or not depends on various risk factors that determine your heart health.
Health Condition
Your overall health, such as your weight, sugar level, cholesterol level and your blood pressure determines whether you have a risk of heart issues or not. Those who are obese, have diabetes or have hypertension are at risk of heart disease and should consider a heart mediclaim.
Family History
Individuals with a family history of heart-related issues, pre-existing diseases, and respiratory issues are at high risk and therefore must opt for a heart mediclaim.
Lifestyle Habits
Lifestyle habits are the number one cause of heart ailments these days. Unhealthy eating habits, a sedentary lifestyle, smoking and drinking alcohol regularly, increase the risk of developing heart ailments. Hence, if you have such habits it is time you switch to a healthy lifestyle and invest in a heart mediclaim.
Financial Status
A heart mediclaim safeguards your finances against any medical emergency arising due to a heart condition. If you are the sole breadwinner of your family and are at risk of heart disease or have senior citizen parents, it is a good idea to invest in a heart mediclaim.
Why is Heart Mediclaim Important for Heart Patients?
A heart mediclaim provides comprehensive coverage against a range of heart ailments at the best hospitals offering the best treatments. Given below are some of the other reasons why heart mediclaim is important for heart patients:
- A heart mediclaim provides coverage for a wide range of heart-related conditions covering expenses for hospitalisation, surgery and post-operation recovery.
- It provides financial support by covering the expensive treatment costs and ensuring that your savings and investments are intact.
- It also provides access to quality cashless medical care in the best network hospitals.
- It offers many other benefits including preventive cardiac check-ups, second opinion, quick recovery support, annual health-check ups, coverage for OPD expenses, etc.
- A heart mediclaim also helps in the early detection of a heart condition with the help of preventive check-ups.
- Offers high sum insured options with an option to have global coverage, where you can seek treatment outside India. (*Illness has to be detected in India only)
- Provides tax benefits as the premium paid for a heart mediclaim is eligible for tax deduction U/S 80D of the Income Tax Act.
- It also provides coverage for pre-existing conditions with an option to reduce the waiting period up to 1 or 2 years under additional coverage.
In Summary
The cases of heart ailments are on the rise even among the young population. It is a good idea to buy a heart mediclaim plan at a young age to enjoy lower premiums. Buying at a young age also helps in getting the policy at a lower price and no claim bonus up to 50%. Care Health Insurance provides different types of coverage for heart-related conditions through plans like Care Heart Mediclaim and Care Heart Health Insurance. Compare these plans, understand the coverage and claim settlement process and choose the best heart mediclaim plan for your medical requirements, peace of mind, and financial security.
>> Also Read: Difference between Mediclaim and Health Insurance Policy
Disclaimers: The above information is for reference purposes only: Policy Assurance and Claims at the underwriter’s discretion.
