Health Insurance for Heart Patients and Cardiovascular Surgery

Health Insurance for Heart Patients and Cardiovascular Surgery

Bajaj Finserv Health
October 26, 20224 mins read


Health insurance is critical for every individual. Individual health insurance, family health insurance, senior health insurance, and top-up health insurance coverage are the most common plans which cover health insurance for heart patients. In India, there is particular health insurance for cardiac patients.

Key Takeaways

  • The key features of insurance for heart patients include overseas treatment, good financial and hospitalization coverage
  • Insurance for heart patients covers pre and post hospitalization expenses and first heart attack coverage
  • Treatments covered under the Mediclaim policy for heart patients are balloon valvotomy, cardiac arrhythmia surgery, etc.

Health Insurance for heart patients has become essential to protect against escalating healthcare expenditures. To be covered during an emergency, it is advised to obtain Cardiac Care Insurance coverage from a reputable health insurance provider. These health insurance policies' primary goal is to provide coverage for hospitalization and treatment costs associated with the person's heart disease. These medical insurance plans offer the finest care for your cardiac issues with full coverage for heart-related therapy and other perks. 

Cardiac Health Insurance for Heart Patients

Regardless of age, there has been a substantial rise in the number of people worldwide with cardiac illnesses. Cardiovascular illnesses now account for 17.9 million [1] annual fatalities worldwide, making them one of the leading causes of mortality. Cardiovascular problems are often brought on by conditions affecting the heart and blood vessels, such as high blood pressure, diabetes, etc.

Changes in dietary habits, a more stressful lifestyle, and other factors are a few of the leading causes of the rise in the number of people with heart disease. Following a comprehensive diagnosis, people who contract these diseases must pay a sizable sum for treatment. To combat such difficult circumstances and have ready access to funds for treatment, it is necessary to get health insurance for heart patients.

Acute heart disorders include myocardial infarction, refractory heart failure, cardiomyopathy, etc. Therefore, purchasing health insurance for heart patients can help to avert these crises, and patients will receive coverage for such problems. 

Additional Read: Complete Health Solution Gold Prohealth insurance for heart patients

Importance of Health Insurance for Heart Patients in India

Health Insurance for heart Patients is very important. Due to poor eating habits, lack of physical activity, job stress, and sedentary lifestyles, many individuals in India suffer from various heart-related illnesses. In addition, the number of deaths in India has increased due to numerous heart health issues. Healthcare expenses have also skyrocketed in recent years, and people feel the pinch of these rising medical expenses. Therefore, health insurance for heart patients is advantageous. Specialized health insurance for cardiac patients is called Pre-Existing Disease Health Insurance. These insurance plans offer the finest care for your cardiac disease with full coverage for heart-related therapy and other perks. 

heart insurance for heart patients

Key Features of Cardiac Health Insurance Plans

Following are a number of the main characteristics and advantages of cardiac insurance policies

Hospitalization Coverage:

The insurance provides reimbursement for the cost of cardiac care as well as other associated costs, such as hospitalization

Financial Coverage:

The policy provides peace of mind by allowing the insured to submit a claim under cardiac insurance in the event of a heart-related issue without worrying about money

Lump sum Coverage:

If the insured is found to have cardiovascular disease, the insurer pays the coverage amount in a lump sum

Loss of Income Coverage:

Under health insurance for heart patients, the insurer makes up for any income you lose. The policy claim amount can also be used to pay for other unforeseen costs

Treatment Received Abroad:

A cardiac insurance policy may also pay for treatment received abroad, depending on the policy's coverage

Tax Benefit on the Premium:

As per the Income Tax Act of 1961, you are qualified to get tax advantages of up to Rs. 25,000 on health insurance premiums for cardiac health plans

However, there are certain restrictions and limitations on health insurance for heart patients.

What is Covered Under Cardiac Health Insurance Plans?

One of the main advantages of health insurance for heart patients is that the insurer will provide the policyholder with a lump sum payment. Here are a few coverage advantages that heart patients with insurance policies may take advantage of:

  • In-Hospitalization Expenses: This category includes all costs associated with receiving hospital treatment for longer than 24 hours
  • Expenses incurred prior to and following hospitalization: Healthcare expenses don't simply include hospitalization expenditures. They also include pre-hospitalization and post-hospitalization costs for the insured
  • Annual Health Checkups: Some insurance plans include annual health examinations for all insured people or a particular wellness program to change lifestyle choices
  • Domiciliary hospitalization: Domiciliary hospitalization is an option if an insured person is not in a condition to go to a hospital for treatment. If there is no room available in a hospital or healthcare facility, or if there are some treatments that may be completed as outpatient procedures
  • Ambulance Expenses: The insured individual's cost from home to the hospital is an ambulance expenditure
  • Tax Deductions: Health insurance premiums for self, one's spouse, dependent children, and parents are tax-deductible under section 80 D of the Income Tax Act

With Bajaj Finserv Health, you can consult with the best doctors near you, make online appointments, set up reminders, and more. So, book an online doctor consultation with Bajaj Finserv Health today!

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Please note that this article is solely meant for informational purposes and Bajaj Finserv Health Limited (“BFHL”) does not shoulder any responsibility of the views/advice/information expressed/given by the writer/reviewer/originator. This article should not be considered as a substitute for any medical advice, diagnosis or treatment. Always consult with your trusted physician/qualified healthcare professional to evaluate your medical condition. The above article has been reviewed by a qualified doctor and BFHL is not responsible for any damages for any information or services provided by any third party.

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