Over 17 million deaths each year in India are due to Cardiovascular Disease (CVD). It has become one of the leading causes of death among other fatal diseases in India. These figures may surprise you, but heart attacks and strokes alone account for more than 85% of all deaths. Therefore, it is crucial to start health insurance planning for cardiac patients. With medical expenses rising, securing a health insurance policy has become a necessity for many people. In this article, we will look into the reasons and benefits of health insurance for cardiac patients.
Why Cardiac Patients Need Specialised Health Insurance?
With the rising number of cases of cardiac arrest, it is important to maintain a healthy heart. If you have been diagnosed with health problems before, investing in a good health insurance policy becomes crucial. These plans cater to medication, routine check-ups, and any other arising issues or specialised attention such as in case of angioplasty or bypass surgery.
Here are the key reasons why cardiac patients should prioritise getting good health coverage.
Rising Costs of Cardiac Treatments
The expenses associated with cardiac treatments have increased in recent years, largely due to advancements in medical technology and the growing complexity of procedures. For instance, bypass surgery or angioplasty costs can range from ₹1,00,000 to ₹4,50,000, depending on the facility and location. These expenses are unaffordable for many individuals without a solid health insurance policy.
That’s when investing in a policy that specifically covers cardiac care becomes important. It ensures that the financial burden of treatment, including hospitalisation, medications, and post-surgery costs is taken care of so that you don’t have to stress over your medical bills.
Comprehensive Coverage for Critical Illnesses
A specialised critical illness insurance plan goes beyond standard health insurance because of many factors. It provides you with a lump sum payout upon the diagnosis of specific heart conditions. This financial support can be used to cover the following:
- Immediate medical expenses
- Lifestyle changes during recovery
- Repayment of existing loans or financial commitments
Moreover, critical illness plans often include features like global coverage and cashless treatment at network hospitals, making them essential for cardiac patients.
Protection Against Pre-existing Conditions
Many cardiac patients fear that their pre-existing conditions will prevent them from obtaining coverage or lead to higher premiums. However, numerous medical insurance plans now specifically cater to individuals with heart-related issues. While these policies may impose waiting periods for pre-existing conditions; however, they offer long-term advantages by covering future complications and related treatments.
Choosing a policy from the best health insurance company in India ensures that you receive clear terms, comprehensive coverage, and minimal exclusions. This makes it easier to manage your healthcare journey.
Cashless Hospitalisation Benefits
Health emergencies can arise unexpectedly. For cardiac patients, having a health insurance policy that offers cashless hospitalisation is a major benefit. This feature enables you to receive treatment at network hospitals without the need for upfront payments. The insurer takes care of the bills directly with the hospital, allowing access to immediate care without the burden of financial concerns.
This feature proves to be beneficial for cardiac patients, especially during critical situations like heart attacks, where immediate treatment is essential, and any delays caused by financial arrangements could be life-threatening.
Preventive Care and Wellness Benefits
Many health insurers now include preventive care services in their plans. Preventive care plays a crucial role in the early detection and management of potential health problems, greatly lowering the chances of serious complications. These features are particularly beneficial for cardiac patients who want to take a proactive approach to their health. Some of its services are:
- Regular cardiac check-ups
- Diagnostic tests like ECGs or stress tests
- Nutritional counselling
Customisable Policies
Individuals' needs and requirements are different; therefore, customisable plans prove to be efficient in these cases. The best health insurance companies offer flexible plans that can be tailored to suit individual requirements. From choosing add-on covers to adjusting premium amounts, these customisable options make it easier for cardiac patients to manage their health and finances effectively.
Choosing the Right Health Insurance for Cardiac Patients
With so many options available for health insurance policies, choosing the right one that will satisfy your needs becomes challenging. However, by carefully considering a few important factors, you can make the process easier. Here are some key points to remember:
- Network Hospitals: Make sure your insurance provider has a network with reputable hospitals that specialise in cardiac care.
- Claim Settlement Ratio: A higher ratio suggests that the insurer is trustworthy when it comes to handling claims.
- Coverage Details: Look for policies that cover hospitalisation, outpatient services, post-operative care, and medication expenses.
- Waiting Periods: Be aware of the waiting periods for pre-existing conditions and serious illnesses, which can range from a few weeks to a few months.
Final Thoughts!
Investing in a comprehensive health insurance policy is not just a financial decision but a commitment to your well-being. This decision holds even greater importance for cardiac patients, as it ensures access to quality care without the fear of financial stress during emergencies. If you are considering investing in a health insurance policy, look for Niva Bupa’s insurance plans. They provide a wide range of benefits, including 24x7 customer service support, cashless treatment, and seamless processes. With these features they ensure financial security and high-quality care, providing a sigh of relief to everyone.
