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Heart Attack (Myocardial Infarction) - Critical Illness Insurance

Heart is the most important organ of the cardiovascular system as it has to pump blood to the whole body. It is a muscular organ and needs oxygen-rich blood itself. Coronary arteries are the vessels that supply blood to the heart. Functioning of these arteries is very important to ensure a healthy heart. If these arteries and its tributaries get blocked due to certain factors, it can lead to Myocardial Infarction or heart attack.

Myocardial Infarction simply means death of heart muscle. Symptoms are sudden restlessness, sweating, and breathlessness, and palpitation, jaw pain, left arm pain or chest pain. Immediate medical attention is paramount to ensure minimal damage to the heart. Depending upon the such damage, cardiologist may suggest medical management (i.e medicines like blood thinning agents), Coronary artery angioplasty or an open heart surgery, commonly referred to as CABG (Coronary Artery Bypass Graft). Whatever be the line of treatment, heart attack warrants complete bed rest for at least 1-2 months. This means the patient cannot perform his routine activity and earn his livelihood.

Why is it important to opt for HDFC ERGO Critical illness Insurance Policy, even if you hold an indemnity health insurance plan?

Critical illness health insurance policy is a benefit-plan unlike the conventional indemnity health insurance plans. A lump sum amount (Sum Insured) is paid just upon diagnosis of any of the listed Critical Illness covered in the Policy. In case, your treating doctor recommends a certain line of treatment, critical illness plan by HDFC Ergo will give you a lump sum benefit in one transaction that may be used to pay for the treatment, care, and recovery. The money may also be useful for paying off debts, substituting lost income, or even in adapting to lifestyle changes in some cases. Treating a critical illness may drain away your savings, restrict you from working and earning and affect your routine lifestyle, hence a lump sum benefit in one single transaction up to your opted cover is best for during tough times. Your existing health cover or employee health insurance may cover your medical expenses up to a certain extent, however critical illness cover will offer you a lump sum benefit in one single transaction on first diagnosis or advice issued by a medical practitioner.

Why Choose HDFC ERGO’s Critical Illness Plan for Heart Attack (Myocardial Infarction)?

You may concentrate on your health, while HDFC ERGO Critical Illness cover takes care of the funds. Apart from this, the insurer will also offer monetary support to your family, in case you are busy getting a treatment and there is a loss of income. The lump sum amount is paid in one single transaction on the first diagnosis after a survival period of 30 days. This lump sum amount can be utilized for care and treatment, recuperation aids, paying off debts or fund any lost income due to a decreasing ability to earn. Additionally, by opting for critical illness health covers you can also enjoy tax benefits under section 80D.

What does Critical illness insurance not cover?

Adventure Sport injuries
Adventure sport injuries

Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries
Self-inflicted injuries

You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

War
War

War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations
Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases
Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Periods

Survival Period
Survival Period

The patient should survive for at least 30 days even if he diagnosed with a critical illness listed in the insurance cover.

First 90 Days From Policy Inception
First 90 Days From Policy Inception

We will entertain all claims post waiting period of 90 Days.

 

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Why choose HDFC ERGO General Insurance?

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Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
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All the support you need-24 x 7
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Secured Over 1.6 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Secured Over 1.6 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Secured Over 1.6 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Go Paperless!
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods.
Why HDFC ERGO?
Secured Over 1.6 Crore+ Smiles!

Secured Over 1.6 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
All the support you need-24 x 7

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Transparency In Every Step!

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Integrated Wellness App.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Go Paperless!

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.

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Frequently asked questions

Critical illness insurance for heart attack is a fixed benefit health insurance plan that pays out the lump sum insured during big health emergencies like a heart attack. The lumpsum amount paid by the critical illness insurance on the diagnosis of the critical health condition helps in paying off the exorbitant cost of treating life-threatening illnesses like a heart attack. Heart attack needs immediate and swift medical care and having financial security during such medical emergencies is paramount. Critical illness insurance for heart attacks provides the much-needed financial support to avail the quality medical attention at the right time.
Myocardial infarction or heart attack needs to be treated immediately and the treatment cost is high. Along with medication, the cardiologist may have to treat with procedures like coronary angioplasty and stenting, or coronary artery bypass surgery. During such big medical emergencies, having financial protection through critical illness insurance for heart attack may benefit you following ways:
▪ The lump-sum amount can be utilized for paying out the medical bills, hospitalization cost, and for surgery cost
▪ The fixed amount paid out by the policy can be utilized for paying out any urgent debts taken.
▪ Recovering from myocardial infarction and coming back to normal activities can take time. Income loss during the time can be substituted by the critical illness insurance benefits received.
No pre-policy medical check up is required for individuals upto 45 years.
Disease means a pathological condition of a part, organ, or system resulting from various causes, such as infection, pathological process, or environmental stress, and characterized by an identifiable group of signs or symptoms.
In case of a claim under the Policy, you should immediately intimate us on our helpline numbers. On receipt of the intimation, we would register the claim and assign a unique claim reference number which would be communicated to the Insured which may be used for all future correspondence.

Disclaimer: The assessment of the case depends on the complete terms and conditions of the policy. Please refer to the complete policy terms for further clarity.

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