Obtain Complete Heart Attack Insurance to Maintain your Health and Security

“With a healthy heart, the beat goes on”. Having a healthy heart is crucial, and all individuals should strive to maintain it. Following various healthy routines, consuming a nutritious diet, and regularly exercising help one to have sound cardiovascular health.

However, even after all the precautions, some illnesses are unavoidable and can befall anyone at any time. Hence it’s important to ensure your health and security by opting for heart insurance.

This blog will discuss the importance of having heart insurance and why it is so beneficial. This blog will also serve as a guide to the best heart hospitals in Bangalore and Delhi.

Definition of a Heart Insurance

India has witnessed an alarming number of people suffering from cardiovascular diseases. This is the data issued by the Indian Heart Association. Statistics like these reiterate the need for heart insurance even more.

Heart insurance covers serious cardiac illnesses like refractory heart failure, cardiomyopathy, heart attacks and others. It ensures financial security in case any individual suffers from these ailments.

Key Features and Benefits of Heart Insurance

A heart insurance plan ensures benefits much like any usual health insurance. Nevertheless, it is exclusive and highly beneficial for heart patients

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• Stress-free - Having heart insurance will help you lead a peaceful life knowing that your future savings are secure. In case of any crisis related to your heart health, for instance, a treatment for heart attack,  you know that you are financially secure with heart insurance.
• Overseas Treatment - Health Insurance companies often offer treatment overseas to their customers, availing cardiac health insurance.
• Tax Benefits Available - The insured can avail tax benefits of up to ₹25,000 as stated under the Income Tax Act of 1961.
• Hospitalisation - For treatments like treatment for heart attack, hospitalisation expenses can be heavy and having cardiac health insurance ensures coverage for the same.
• Miscellaneous Expenses - Cardiac health insurance even provides coverage for the many other expenses in a heart health-related emergency that can often lead to loss of income.

Things Covered under Heart Insurance

Heart insurance provides extensive coverage and many other services:

• Coverage is provided for in-hospitalisation charges and treatments
• Homecare treatment expenses
• Annual checkups for the heart health
• Coverage for alternative treatments like Ayurveda, Homoeopathy and more

Cardiac health insurance also provides coverage for many complex surgeries and various treatments like the treatment for heart attacks.

Some of them are;

• Implantable Cardioverter Defibrillator (ICD)
• Open Heart Replacement or Repair of Heart Valves
• Insertion of Pacemaker
• Surgery to place Ventricular Assist Devices
• Open Chest Coronary Artery Bypass Graft

Best Heart Hospitals in Delhi

Delhi is known for having hospitals which provide world-class medical care. Technology and medical advancement have been on the rise, and hospitals in Delhi have surely kept up with the pace.

Here is a list of the best heart hospitals in Delhi;

• Fortis Escorts Heart Institute
• Indraprastha Apollo Hospitals, Sarita Vihar
• Artemis, Gurgaon
• Moolchand Hospitals
• BLK Super-speciality
• Columbia Asia Hospital, Ghaziabad
• Columbia Asia, Gurgaon
• Fortis Hospital, Shalimar Bagh

Best Heart Hospitals in Bangalore

Bangalore has one of the leading healthcare providers and has ever-evolving medical facilities. With each hospital having a highly qualified panel of medical professionals, here is a list of some of them;

• Manipal Hospital HAL Airport Road
• Fortis Hospital, Bannerghatta Road
• Aster CMI, Hebbal
• Fortis Hospitals, Cunningham Road
• Manipal Hospital, Whitefield
• Apollo Hospital, Jayanagar
• Columbia Asia, Whitefield
• Dr Malathi Manipal Hospital, Jayanagar

Cardiac health insurance is a necessity, and this blog reiterates all the reasons why it is so critical. To ensure that all your future medical needs are met, get your heart health insurance right away. Heart Insurance will help you lead a tension-free life with no extra burden of financial crisis at the time of a medical emergency.

Niva Bupa offers healthcare plans with the most extensive coverage;

• 24x7 services
• Pre and post-hospitalisation coverage
• 3 lakhs - 5 crore coverage
• Cashless claim processing within 30 mins

FAQs

1. What is heart insurance, and how does it function?

Heart insurance is a dedicated health insurance scheme that provides financial protection against heart diseases like heart attacks, cardiomyopathy, and heart surgery. It provides coverage for hospitalisation, treatment, and post-treatment costs, providing reassurance during cardiac crises.

2. Does heart insurance cover operations like bypass or pacemaker implantation?

Yes, all the above-mentioned major heart surgeries are covered under most heart insurance policies, including the implantation of pacemakers, valve repair or replacement, and the use of assistive cardiac devices like ICDs or VADs. 

3. Can I avail of tax benefits on heart insurance premiums in India?

Yes, according to Section 80D of the Income Tax Act, 1961, you can get tax deductions of up to ₹25,000 on payments made towards heart insurance, which is both a health as well as a monetary advantage.

4. Does heart insurance cover people with pre-existing heart conditions?

Some insurers offer heart insurance even if you have a pre-existing condition, although it might be with longer waiting periods, increased premiums, or restricted benefits. Carefully read the policy terms.

5. What is the difference between heart insurance and normal health insurance?

Though general health insurance is general in coverage, heart insurance is more targeted. It provides comprehensive cover for costly cardiac procedures and surgeries, usually in conjunction with other features such as yearly heart check-ups and alternative treatments.