Health Insurance for Heart Patients and Cardiovascular Surgery

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.

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. 

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. 

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

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!