Top Health Insurance Plans for Heart Patients

The incidence of critical illness like heart disease is on the rise in India due to lifestyle changes, unhealthy diets and lack of physical activity. A heart patient is always at a higher risk of developing complications, so it is essential to have a health insurance plan to cover the medical costs.

According to the Indian Heart Association, individuals under the age of 50 accounts for more than half of all heart attacks. While 25% of heart attacks occur in people under the age of 40, the need for cardiac healthcare insurance plans is even more critical. It assists policyholders in keeping up with rising medical costs, which can otherwise wipe out most of their savings.

This blog will discuss the need for a separate healthcare plan for heart patients and some of India's top medical insurance plans that provide coverage to heart patients.

Need for Health Policy for Cardiac Patients

Heart diseases can be expensive to treat and can quickly put a financial burden on a family. A health plan helps reduce this burden by covering the medical costs of the treatment. It also provides financial assistance in case of hospitalisation or surgery. Therefore, it is vital to have a healthcare insurance plan that covers heart disease-related treatments.

Acute heart diseases such as refractory heart failure, myocardial infarction or heart attack, cardiomyopathy, and so on are covered by cardiac insurance plans. And in order to handle these medical emergencies without financial stress, heart patients must purchase healthcare insurance.

Here are some of the top cardiac health plans and the best critical illness plan in India for people with heart disease:

Niva Bupa Criticare Insurance Policy

This critical care policy by Niva Bupa covers a comprehensive list of severe ailments such as cancer, open chest CABG (Coronary by-pass surgery), motor neurone disease with permanent symptoms, first heart attack of specified severity, stroke resulting in permanent symptoms, kidney failure needing regular dialysis, open heart replacement, permanent paralysis of limbs, fulminant viral hepatitis, coma of specified severity, major organ/bone marrow transplant, end-stage liver disease, end-stage lung disease, major burns, loss of speech, deafness, aplastic anaemia, bacterial Meningitis, and muscular dystrophy. It provides cover from Rs. 3 lakhs to Rs. 2 crores. It also offers assured renewal, direct claim settlement and a free look period of around 15 days.

Care Heart Health Insurance Plan

This critical illness policy is intended to meet the insurance needs of individuals suffering from cardiac ailments. The policy provides a financial safety net for medical emergencies and the ability to access quality healthcare in over 11000 cashless hospitals. This plan includes an annual health check-up to monitor your medical condition. One of the policy's enticing features is that there are no age restrictions for purchasing the policy. It provides cashless hospitalisation, cardiac health check-up and coverage for alternate treatments.

Star Cardiac Care Insurance Policy

This critical illness cover is designed specifically for people aged 10 to 65 with cardiac problems. This policy includes surgical and non-surgical treatments for cardiac and non-cardiac conditions. After 90 days, cardiac ailments are covered. This policy is available for one, two, or three years. This critical illness policy has two options for the insured sum: Rs. 3,00,000/- and Rs. 4,00,000/-. In the event of death caused by accident during the policy period, worldwide personal accident coverage is provided. Outpatient expenses incurred reasonably and unavoidably at network hospitals in India are covered up to the policy limits. It includes in-patient hospitalisation, room rent, daycare procedures and co-payment facilities.

These are some of the top health insurance plans that offer coverage to heart patients. Before choosing a plan, it is essential to understand the terms and conditions of the plan and the coverage it provides. It is also necessary to check the exclusions and the waiting period for pre-existing conditions.

It is also essential to note that some insurance companies offer unique plans for heart patients. These plans provide comprehensive coverage and often have reduced premiums. Therefore, it is advisable to compare different plans and select the one that best meets your needs.

Finally, it is essential to remember that having a critical care policy is only one part of the equation. It is also crucial to take preventive measures to reduce the risk of developing a cardiac disease. Eating a balanced diet, exercising regularly, maintaining a healthy weight, avoiding smoking and drinking, and managing stress can significantly reduce the risk of heart disease.