Best Health Insurance Plan For Cardiac Ailments

Different types of diseases can be covered under the health insurance policy based on your requirements. A health insurance cover supports its policyholders in clearing the medical dues incurred during hospitalization in case of an emergency without draining the savings of the person. Certain critical and life-threatening diseases like cancer, diabetes, stroke, cardiovascular diseases, hypertension, etc. incur high amounts of treatment cost and also need immediate medical attention. Without a health insurance cover to compensate for the treatment of critical diseases, you can end up draining all your savings which can lead to debt.

Cardiac ailments are disorders related to the heart like heart attack, cardiomyopathy, etc. A health insurance plan with a cardiac ailment cover can look after the medical expenses that incur due to the treatment of heart related conditions thus, saving a big amount for the policyholders. If you have a medical history or a pre-existing disease related to the heart, then you must invest in a comprehensive and affordable cardiac ailments health insurance plan. It will help you get through the tough times in your life and lead a peaceful life.

Coverage of A Cardiac Ailments Health Insurance Plan

Following is the list of important coverage offered to the policyholders under a cardiac ailment health insurance plan:

• Pre hospitalization expenses of 30 days and post hospitalization expenses of 60 days are compensated for by the insurer.
• In-hospitalization expenses for hospitalization treatment of more than 24 hours.
• Free annual healthcare checkups that improve the lifestyle.
• Domiciliary expenses are also offered along with the ambulance charges.
• Tax reduction on premiums for the taxpayers under Section 80D of the Income Tax Act.

Top Health Insurance Plans For Cardiac Ailments

Following is the list of some best health insurance covers for cardiac ailments:

1. Bajaj Allianz Critical Illness Insurance

This health insurance plan covers several critical illnesses, cardiac ailments being one of them. Around 10 heart attack related diseases are included in this cover. It covers the medical expenses incurred in India or Abroad. The sum assured under this policy can be increased at the time of policy renewal.

2. Care Heart Insurance

This health insurance cover has no maximum entry age and comes with a deductible option. The insurer offers automatic recharge on exhaustion of the sum assured and it can be bought for both individuals and family. Recommended for people who have undergone cardiac procedure in the past.

3. Star Cardiac Care Insurance

This health insurance cover is preferable for people who have undergone heart procedure in the past 7 years and it also includes care for personal accident, non- cardiac ailments, etc. The insurer provides lifelong renewability of services to the policyholder and is available in two different variants to give choices to the customer.

4. ICICI Pru Heart/ Cancer Protect Insurance

This health insurance plan covers the medical expenses of heart diseases and/or cancer. The sum assured is separate for both heart disease and cancer. The cover comes with an optional cash benefit of Rs. 5,000 per day and optional income benefit cover of 1% of sum assured. There is also a survival period of 7 days on the heart cover.

5. IFFCO Tokio Critical Illness Benefit Plan

This health insurance policy comes with a maximum allowance of Rs. 1,000 per day and covers around 25 critical illnesses including the heart surgeries. Organ transplants, open heart replacement surgery, aorta surgery, CABG, etc. are also included under this cover for the policyholders. There is a maximum sum assured of Rs. 1 Crore and anyone below the age of 50 years can invest in this cover without any pre-medical tests.

Conclusion

Heart related diseases or cardiac ailments are very expensive to be treated and require immediate medical attention. Therefore, people with a history of cardiac ailments should get a cardiac ailment health insurance policy as early as possible. You must also read the terms of the policy with utmost care to avoid missing out on anything.

Must Read: Top Cardiac Care Insurance Plans in India

Star Cardiac Care Insurance Plan Explained

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.