Heart-related diseases are responsible for every one in four deaths in India. Heart attacks, cardiac arrest, strokes, etc. can cause deaths in the family or leave people in critical conditions for long periods of time. The medical expenses related to such illnesses are not just limited to hospitalisation but can extend to life-long care for the patient. Many cardiovascular diseases are also genetic in nature, making the entire family vulnerable to life-threatening illnesses. But you can always protect yourself and your family physically through a healthier lifestyle and financially through heart care insurance plans.
Let us take a look at some of the heart-specific health insurance plans in India to understand what benefits they offer for your protection.
Religare Care Heart
Religare heart mediclaim provides one of the most comprehensive coverage and covers most of your medical expenses.
- Both inpatient and day care expenses are covered up to the sum insured.
- It covers OPD up to the limit of Rs. 25,000 which means that the pharmacy, diagnostic, and doctor’s consultation fee all get covered under the plan.
- It has good ambulance cover (upto Rs.3,000 per hospitalisation) and also covers organ transplant to the tune of Rs. 15 Lakh.
- It has a good No Claims Bonus policy that increases the amount of your Sum Insured by 50% in the very first year and then by 25% in 2nd and 3rd consecutive years.
- There are no limits on ICU charges which means that the patient is financially protected completely during their worst medical condition.
- It also covers tests like Lipid Profile, fasting, PP blood sugar test, etc. up to 3 times a year.
- Importantly, they cover recovery counselling sessions and provide for doctors to be present online or on telephone for the policyholder in case of urgent need.
- Along with 30-days pre-hospitalisation and 60-days post-hospitalisation, this plan also gives you the benefit of availing an international second opinion completely free of cost.
Star Cardiac Care Insurance
Star is another great insurer in terms of the benefits they offer.
- There are two plans – Gold and Silver. In the Silver plan, the inpatient expenses are covered in case of heart-related complications that lead to surgery. But the Gold plan covers all medical expenses arising out of heart-related complications.
- The plans include around 400 daycare procedures and anyone between the age of 10 to 65 is eligible to be insured under the plan.
- The out-patient expenses under the plans are currently limited to Rs. 500 per event to a maximum of Rs. 1,500 per policy period.
- It also allows patients who have undergone angioplasty or any heart-related surgery to get insured within 2-3 years of the surgery.
- There are no pre-acceptance medical screening required but the client will have to submit all past medical records to get insured.
- This plan also covers cataract operations upto a maximum of Rs.30,000 for the entire policy period.
- For every hospitalisation, this plan offers a post-hospitalisation expense cover for upto Rs. 5,000 and they also cover the 30-day pre-hospitalisation expenses.
- The hospitalisation coverage includes a wide range of associated expenses like the cost of surgeon, anaesthetist, consultants, specialist fees, oxygen cylinders, imaging tests, and most importantly, the cost of drugs and medicine.
These are some of the good heart-specific plans that you may purchase and keep your family financially secured even in the most difficult of times.
OneAssure is a distribution platform that helps you make right decisions on matters where health and finances converge. Visit oneassure.in to know more about your health insurance choices.