Importance of Health Insurance for Heart Patients

Posted on: Sep 28, 2023 | | Written by:

Importance of Health Insurance for Heart Patients

Published on September 26, 2023. EST READ TIME: 3 minutes

The human heart has always captured the imagination of poets and writers. Do you know who else it fascinates? The doctors as they are busy finding cures for new and developing health issues related to this organ that pumps life through our veins. Our lifestyle choices, genetics, and stress-ridden and sedentary lives make the functioning of the heart difficult. That’s why whether you have heart-related health issues or not, you must buy health insurance that provides coverage for any medical emergency. For heart patients, it’s not just a financial safety net but also the promise of quality treatment. Dive in to learn more about health insurance for heart patients.

Why is health insurance important for Heart Patients?

According to WHO, cardiovascular diseases are one of the leading causes of death worldwide, claiming an estimated 17.9 million lives every year. Cardiovascular diseases include coronary heart disease, rheumatic heart disease, cerebrovascular disease, etc. The main reasons for the rise in cardiovascular ailments are sedentary lifestyle, unhealthy eating habits, stress, and physical inactivity. When a person gets diagnosed with a heart problem, it becomes necessary to undergo regular check-ups, diagnostic tests, and treatments. While a regular health insurance plan will cover the expenses, it may not be sufficient considering the fact that heart-related treatments are quite expensive. Therefore, it is essential to buy health insurance for heart patients or cardiac health insurance designed specifically to cover heart ailments and ease your financial burden.

Benefits of a health insurance policy for heart patients

Some benefits of health insurance for heart patients are:

• On being diagnosed with any cardiovascular ailments, the insurer will pay a lump sum amount as compensation up to the sum insured, irrespective of the actual cost incurred.

• Provides financial protection by covering your hospitalisation expenses for heart-related treatments, surgeries, and medications. Heart-related treatments are quite expensive, and insurance can reduce the financial burden on the patient and his/her family.

• Having cardiac health insurance provides peace of mind to heart patients and their families, knowing that they are financially protected. They can focus on recovery without stressing over the exorbitant medical bills.

• As the lump sum amount can be used to meet miscellaneous expenses, the policy also covers loss of income if the insured is the family’s sole earning member.

• Depending on the policy coverage, health insurance for heart patients may cover treatment done overseas.

• As per the Income Tax Act, you are eligible for tax benefits on the premium paid towards the heart insurance policy.

• Some plans cover preventive care such as screenings, tests, and regular check-ups to help in the early detection and treatment of heart conditions.

What is covered under Cardiac Health Insurance Plans?

• Cardiac health insurance plans cover heart-related treatments and surgeries like heart transplants, angioplasty, open heart surgery, myocardial infarction, coronary artery bypass graft, cardiac arrhythmia surgery, surgery for planting pacemakers, etc.

• Expenses incurred during hospitalisation, like ICU charges and medical tests.

• Pre- and post-hospitalisation expenses relating to heart treatments.

• Domiciliary hospitalisation is covered if the patient is not in a condition to be shifted to the hospital, there is a lack of hospital beds, or if the doctor advises homecare treatment.

• Annual cardiac health check-ups which help in early diagnosis of any cardiac problems and timely treatments.

• Alternative treatments for treating heart conditions, such as AYUSH

What is not covered under Cardiac Health Insurance Plans?

• Any heart issues caused due to self-inflected injuries or self-harm

• Heart complications during pregnancy, childbirth, miscarriage, or abortion

• Internal congenital diseases

• Treatment of heart problems caused due to consumption of alcohol or drugs

• Infertility and IVF treatments and tests

• Any hospitalisation due to war, riots, and strikes

Conclusion

If you have pre-existing medical conditions like diabetes/hypertension, a family history of cardiac ailments, or poor lifestyle choices, you are at high risk of developing heart disease. Apart from taking care of your health with lifestyle modifications, it is also important to secure yourself and your family with cardiac health insurance that will cover heart conditions and keep you financially protected. Ensure you also have active individual health insurance or family health insurance to cover all other emergency hospitalisation expenses.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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