Many people are of the opinion that health insurance can only be purchased by people who are young and healthy. Thankfully, this is nothing but a myth. Even people who are not in the best of health can enjoy the coverage of a health plan. It might come as a surprise to many that health insurance is also available for heart patients.
The right health plan not only covers the cost of necessary treatments but also provides access to preventive care that can help detect and address potential issues before they become serious.
Why is health insurance important for Heart Patients?
Globally, there has been a considerable rise in the number of heart diseases and also fatality related to the same. As people of all ages have been witnessing heart problems, it has become necessary to go for regular check-ups and tend to the problem before things go out of hand. While a health plan may seem very useful in such a scenario, the expenses related to the treatment of heart diseases may not always be covered under a regular health insurance policy, especially one with a modest sum insured. The treatment, thus, would not be easy on the pocket, so specific heart insurance becomes a must.
Heart insurance comes under a critical health insurance plan where you get comprehensive coverage for heart-related treatments at the best possible hospital/ healthcare center. Cardiomyopathy, refractory heart failure, high blood pressure, etc., are a few conditions where you need not worry about financial coverage.
Check out the various benefits of a health insurance policy for heart patients:
1). Coverage for various heart-related conditions
Depending on the type of policy you purchase and the insurance company, a range of heart diseases are covered. For instance, angioplasty, stent, myocardial infarction, heart valve surgery, open chest CABG, etc., are treatments that, though they cost heavily, are covered under heart health insurance.
2). Financial support
Being diagnosed with a critical illness can be emotionally traumatic. In such a time, it is essential that the patient has mental peace so they can focus better on the treatment. Only when there is a financial backup can one really go for the best medical treatment available. Heart health insurance covers all the admissible charges of enlisted heart conditions, so you do not have to compromise on the treatment.
3). Income tax benefit
People who are investing in health insurance are also eligible for income tax benefits. One can claim up to tax deduction under Section 80D of the Income Tax Act, 1961. However, bear in mind that the premiums should be paid in a mode other than cash.
4). Benefit of riders
Most health insurance plans allow the insured to purchase several add-ons. These riders let you expand the coverage of the plan by paying a slightly higher premium. Those coverages that are not a regular part of the base plan can be availed by purchasing riders.
5). Premium waive off
Some heart health insurers do not charge a premium during the treatment tenure of the patient/insured. This is to ensure that the insured does not fall short on money while going under heavy treatments. It is especially beneficial for families where the bread earner goes under treatment.
6). Income benefit
For the time the insured has to take a break from work to go for treatment, some insurance plans provide a steady flow of regular income to the family. It ensures that the family does not have to suffer a financial crisis and can continue living a decent life. Because some people have to pause or even quit their job during treatment, this coverage becomes quite beneficial.
7). A wide range of coverage
Following are some of the basic coverages:
In-patient hospitalisation: When a patient is diagnosed with a heart problem and has to be hospitalised for more than 24 hours for treatment, the cost of treatment is borne by the insurance company.
Pre and post-hospitalisation: A few days before and a few days after hospitalisation, the patient needs medical care. Such costs are also covered under the heart health insurance plan.
Domiciliary treatment: During certain heart conditions, patients cannot be moved to the hospital, and the treatment has to be continued in their house. In such a case, the cost of treatment is covered by the insurer.
Conclusion
Without the right coverage, the cost of treatments and medications can be cripplingly expensive. Health insurance can give heart patients peace of mind knowing that their medical costs are taken care of in case any unexpected complications arise. Having health insurance is, therefore, critical for heart patients.
