Maintaining Your Health
Good health is one of the best gifts you have - always respect it and take good care of it. Health should be holistic and apart from your physique, should also be about mental well-being. There are a lot of things that you must do in order to meet your health goals; one of them is ensuring that you have a proper health insurance plan in place especially one that also offers heart insurance.
What is Heart Insurance?
The best type of health insurance plan for cardiac patients, a heart insurance policy that offers coverage for pre-existing illnesses. Such plans offer cardiac health check-ups, comprehensive coverage for hospitalization expenses, home care option, automatic recharge of sum insured, and many other benefits.
Why Invest in Heart Insurance?
A healthy heart means a long and happy life which makes an intelligently designed heart insurance plan an absolute must. As a fit person in their 20s or 30s, you may think that you do not require heart insurance, but here are some reasons why you should consider it: -
1. Increasing Risk of Lifestyle Diseases
With an increasingly sedentary life that people are leading nowadays, lifestyle diseases are on the rise and to that end, everyone is susceptible to a certain extent. That is why a proper family health plan is very important in today’s time. The most common lifestyle diseases include cardiovascular diseases (CVD), stroke, obesity, cancer, and high blood pressure. Hence, the financial security of a heart health insurance plan is a must-have.
2. Your Employer’s Health Plan is not Enough
It is very common for working professionals to think that their employer’s health insurance plan is enough. However, you would need to supplement it with a separate heart health insurance plan as employer-sponsored health insurance does not offer customization options and may not cover all critical illnesses. Also, the insurance will not be available once you leave the job or retire. That is why it is best if you choose a separate policy based on your requirements.
3. Low Premiums at a Younger Age
If you buy a policy after you have retired, you will have to pay an exorbitant amount as premium. However, if you buy an insurance policy at a young age, you can get the advantage of lower premiums. Apart from this, it is also easier to pass the waiting period without any discomfort as you may not need to put in a claim for the conditions that have a waiting period. Generally, the older you are, the longer will be your waiting period.
4. Tax Exemptions
As per the Income Tax Act, Section 80D, tax benefits are available for people who are paying health insurance premiums. These benefits may vary on the type of policy and the age of the insured persons.
5. Financial Security
It is believed that the cost of healthcare in India might increase by 10-15% every year in India. This is another reason why you should invest in a heart health insurance plan. This way, if anything happens to you, you will be able to access top healthcare facilities and your insurer will bear the cost of hospitalization (as per the limits prescribed in the policy).
There is no doubt that a comprehensive family health plan with the proper coverage for heart conditions is a smart way of ensuring peace of mind. Care Health Insurance (Formerly Religare Health Insurance) offers Care Heart, a special heart insurance plan that offers coverage for numerous heart-related ailments, including pre-existing heart illnesses.