Cardiac health insurance is necessary for heart health, complete information
Health Insurance Plans in India: According to the Indian Heart Association, more than 50% of all heart attacks are reported in individuals under the age of 50. While 25% of heart attacks are seen in people below 40 years of age, which makes the need for heart health insurance plans even more important. It helps the policyholder to sustain rising medical costs that might otherwise drain most of their savings in one fell swoop.
CVD, a Main
Cause of Mortality Cardiovascular disease (CVD) is a major cause of mortality in India today. In the coming few years, it is feared that CVD will become the main cause of economic and social burden on the Indian population. Cardiovascular disease is a combination of different types, including stroke, and diseases of the blood vessels that nourish the body’s organs. More than this, the cost of treatment of heart-related diseases is high.
VAC
High cost of heart disease treatment
An angioplasty of clogged arteries can cost you anywhere between Rs 3 lakh to Rs 5 lakh in a metro city. Similarly the cost of open-heart surgery ranges from Rs 5 lakh to Rs 8 lakh, while surgery involving valves costs anywhere between Rs 4 lakh to Rs 7 lakh. It is not always possible for everyone to have enough money to cover such a huge cost and get the best possible treatment.
Cardiac health insurance plan covers acute heart diseases like refractory heart failure, myocardial infarction or heart attack, cardiomyopathy etc and it is necessary to buy health insurance for heart patients to handle these medical emergencies without any financial stress.
Moreover, in view of the increasing incidence of heart disease in India, many insurers have also come together. These plans provide you financial protection in case of heart related diagnosis. Like fixed benefit plans, in the treatment of CVD, the insured is paid the entire sum assured under these plans. The paid amount can be used for treatment of illness and can even be used to compensate for loss of income.
Here is an overview of some of the best cardiac health insurance plans that you can buy in India. Here we are giving information about different insurance plans for Sum Insured Rs 10 lakh keeping 35 years old person at the center.
Insurer Plan Name Plan Name Premium
Star Health Insurance Star Cardiac Care InsurancePolicy- Platinum 36,621
Care Insurance Care Heart 14,195
Aditya Birla Active Health Platinum Enhanced 9,566
(Source: Policybazar.com)
Key Features of Cardiac Health Insurance Plans
Hospitalization cover: – The policy offers compensation for cardiac treatment cost and other related expenses including hospitalization expenses
Financial cover :- The policy provides peace of mind if a heart-related problem such as a heart attack occurs , the insured can file a claim under the cardiac insurance without worrying about finances
outright payment: of the sum insured if the insured is aware of cardiovascular disease insurer pays a lump sum. Loss
of Income:– Under the heart care health insurance plan, the insurer also compensates your loss of income as the policy claim amount can also be used to meet other miscellaneous expenses.
treatment abroadDepending: on the policy coverage, a heart insurance policy may also cover treatment done abroad
. Tax benefits on premiums- Under the Income Tax Act, 1961, you can get up to Rs 25,000 tax benefit on health insurance premiums paid for heart health plans are eligible to receive.
Hence
it is possible to easily cover these costs by securing yourself financially through a comprehensive health insurance policy with essential cardiac health insurance . Your health insurance policy will cover you against all possible health care expenses. CVD and also the treatment of every other disease. A health insurance plan covers you for pre and post hospitalization expenses as well as hospitalization expenses.
