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Have you suddenly realised that you are nearing the age of 50 and have not yet purchased a cardiac care heart insurance plan? Are you concerned that you may face a hard time as you have not invested in insurance for heart patients within the age of 40 to 45 years? Are you having sleepless nights wondering whether you will be able to successfully invest in a health insurance policy at the age of 50 years?
These are indeed legitimate concerns. As per reports, as of 2023, cardiovascular diseases are the cause of 27% of all deaths in India and as per Dr Naresh Purohit of the Academy of Cardiovascular Sciences, the cardiac mortality rate, the number of people dying from heart-related conditions, will be the highest in India in global terms by 2030. You would really be concerned now if you are without cardiac health insurance at the age of 50 years, and rightly so.
Here’s Where Care Heart Insurance Steps In
Luckily for all of you who are apprehensive of future cardiac complications and have not yet invested in cardiac health insurance, Care Health Insurance has come up with a Health Insurance plan called Care Heart Plan, which will take care of all your concerns. It is the best health insurance for cardiac patients and is suited for those whose family has a record of heart disease or those who are suffering from a cardiovascular condition or have undergone surgery for the same. The plan does not have an upper entry limit and comes with a waiting period of just 30 days! The Sum Insured is between 3 to 10 Lakhs and the policy may be invested in as an individual cover or as a family floater cover and comes in tenures of 1,2 or 3 years with an option of lifetime renewability
Key Highlights of Care Heart Plan
Care Heart comes with the following features and highlights:
- It is an ideal plan for those who have a history of heart illness in the family, or have been suffering from any cardiovascular disease or have undergone any surgery for such a condition.
- The plan is available for Individuals or for 2 persons as a Family Floater.
- Lifetime renewability is available to ensure your continued coverage.
- The plan offers you the benefit of automatic recharge once every policy term in case you exhaust your Sum Insured.
- Cashless Cardiac Check-up is available for you to be able to be aware of the condition of your heart and take proactive measures if so required.
Scope of Coverage under Care Heart Insurance Plan
The policy is considered as one of the best health insurance for cardiac patients as it has vast coverage as given below:
- In-Patient Hospitalisation: Up to the Sum Insured – Rs 3,5,7 and 10 Lakhs
- Room Rent / Room Category: Single Private Room for Sum Insured of Rs 5,7 and 10 Lakhs
- ICU Charges: No Limit for Sum Insured of Rs 5,7 and 10 Lakhs
- Day Care Treatment: Up to Sum Insured
- Pre and Post Hospitalisation Medical Expenses: 30 days before and 60 days after hospitalisation
- Alternative Treatments: Up to25% of Sum Insured
- Ambulance Cover: Maximum up to Rs 3000 per hospitalisation for 7 and 10 lakh SI. Rs 2000 for 3 and 5 lakh SI.
- Domiciliary Hospitalisation: Up to 100% of the Sum Insured covered after 3 days
- Automatic Recharge: 100% of the original Sum Insured if coverage is exhausted, once every policy term
- No Claims Bonus: 10% increase in Sum Insured up to a maximum of 50%.
- Cardiac Health Check Up: Annually
- Initial Waiting Period: 30 Days
- Specific Waiting Period: 24 Months
- Pre-existing Diseases: Covered after 24 months
- Co-payment: Co-payment clause exists based on entry age. 20 percent co-payment is applicable if the policy entry age is below or equal to 70 years and 30 percent co-payment is applicable if the policy entry age is above 70 years
- Medical Check-up before issuance of policy: Not Applicable
Apart from these, optional benefits such as Care OPD, Care Shield and Home Care are also available at additional premiums.
What is the Need for a Separate Heart Health Insurance?
It is actually a daunting task to be able to successfully invest in cardiac health insurance at the age of 50. An increasingly sedentary life, compounded by lifestyle diseases and a weakening heart condition acted as roadblocks for investing in an appropriate plan including cardiac care heart insurance. And if you had suffered from some cardiovascular disease or had undergone any kind of related surgical procedure, insurance for heart patients was a very difficult proposition. High premiums, reduced policy coverage and benefits, compulsory check-ups, and high waiting periods, all of these were issues faced. Pre-existing diseases had a long wait time to be covered and used to be the main reason for your failure to get entry into health insurance after the age of 50.
This is the grim reality for most of you who are salaried and are eligible for your employer-provided group health insurance policy. You would not have paid much attention to getting invested in an additional, personal, health insurance policy, especially a cardiac health insurance plan while working. When you retire you lose the coverage from your employer-provided group health insurance and then you panic just imagining the financial consequences of a medical, and more specifically, a cardiovascular emergency along with surgery. This being the major reason for getting a customised health insurance plan that addresses your specific healthcare needs.
To Wrap it Up
Affordable and universal cardiac health insurance is a vital requirement given the lifestyle of most Indians which may lead to future cardiovascular complications. Care Health Insurance has addressed the concerns and the necessity of such a plan by introducing the Care Heart Plan as the best health insurance for cardiac patients. For more information kindly connect with our experts or visit the official website.
>> Also Read: Why should you invest in Heart Insurance?
Disclaimers: The above information is for reference purposes only. Kindly consult your general physician for verified medical advice. The health insurance benefits are subject to policy terms and conditions. Refer to your policy documents for more information.
