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Health Insurance for Heart Patients

Explore the significance of heart health insurance, covering benefits, coverage details, and common exclusions. Understand why it's crucial for financial protection and peace of mind.

  • 22 Feb 2024
  • 4 min read

Among the myriad health issues individuals face, heart-related conditions are one of the most prevalent and critical. Heart ailments can strike unexpectedly, affecting people of all ages, backgrounds, and walks of life. When faced with such a daunting diagnosis, the last thing anyone should worry about is how they will manage the financial burden of medical care. This is where a health plan with heart insurance can be very helpful.

Benefits of Heart Insurance for Heart Patients

An insurance for heart patients is a particular sort of medical insurance plan that offers coverage for a multitude of heart conditions and procedures. Some of the major benefits of having a heart insurance policy are:

  • It covers hospitalisation costs, surgery, diagnostic tests, medicines, and post-hospitalisation care for heart ailments.
  • It provides a lump sum in case of diagnosis or undergoing any specified cardiac procedure, such as angioplasty, bypass surgery, valve replacement, etc.
  • It also offers tax perks under Section 80D of the Income Tax Act of 1961.
  • It gives you access to cashless treatment at network hospitals all across India.
  • It allows you to avail multiple claims for the same or different conditions or procedures, subject to the exhaustion of the sum insured and the waiting period.


Why Should You Buy a Heart Patient Health Insurance Policy?

If you are at risk of developing heart problems or have a family history of cardiac diseases, you should consider buying the best health insurance for cardiac patients that you can find. Some of the reasons why you should buy a heart health insurance policy are:

  • It helps you cope with the rising costs of medical inflation and the quality of healthcare services.
  • It gives you peace of mind and financial security in case of a medical emergency.
  • It enables you to get the best possible treatment for your heart condition without compromising your savings or lifestyle.
  • It reduces your dependency and empowers you to take charge of your health.


What is Covered Under Heart Health Insurance?

Medical insurance for heart patients covers various aspects of your cardiac care, depending on the plan and the insurer. Some of the common coverages offered under heart health insurance are:

  • Myocardial infarction (heart attack): This condition occurs when a clot or ruptured plaque in the coronary artery interrupts blood flow to a specific part of the heart muscle. Such an interruption can severely damage the cardiac muscle, leading to complications like cardiac arrest, arrhythmias, or heart failure.
  • Congestive heart failure: It occurs when the heart cannot effectively circulate sufficient blood to fulfil the body’s requirements. This can result from various causes, such as CAD, heart attack, hypertension, valvular disease, etc. This condition can cause fatigue, swelling, coughing, or difficulty breathing.
  • Arrhythmia: This is an ailment where the heart beats irregularly, too fast, or too slowly. This can affect the heart’s ability to pump blood effectively and cause complications such as fainting, stroke, or sudden death.
  • Valvular heart disease: This is a condition where one or more heart valves stop functioning properly. This can lead to the reversal of blood flow, leakage through the valve, or the narrowing and stiffening of the valve. This can affect the blood flow and pressure in the heart chambers and lead to chest pain, palpitations, or shortness of breath.
  • Hypertensive heart disease: This is a condition in which elevated blood pressure harms both the heart muscle and blood vessels, leading to thickening and enlargement of the heart, reduced blood flow, or arrhythmia.
  • Rheumatic heart disease: It is a condition where an infection by Streptococcus bacteria causes inflammation and damage to the heart valves. This can lead to scarring and deformity of the valves, which can affect their function and cause complications such as heart failure or stroke.l

Also read:

What is Not Covered Under Heart Health Insurance?

Like any other health insurance plan, a heart health insurance policy also has some exclusions, meaning that the policy does not cover certain situations or expenses. Some of the common exclusions under mediclaim for heart patients are:

  • Any heart-related issues caused by self-inflicted injuries or self-harm.
  • Heart complications arising out of childbirth, abortion, or miscarriage.
  • Internal congenital disease from birth might not be covered.
  • Insurance may not cover you if you get hurt doing something risky, like extreme sports.
  • There is no coverage for getting heart-related treatment outside India.
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