Importance Of Health Insurance For Heart Patients

Importance Of Health Insurance For Heart Patients

Why Health Insurance Is Crucial For People With Heart Disease

The right health plan can offer access to preventive care that can help identify and treat potential problems before they become severe, cover the cost of necessary treatments and offer several health insurance benefits. One can easily buy health insurance online. *

Why Is Health Insurance Crucial For People With Heart Disease?

The prevalence of heart diseases and consequential mortality have both significantly increased worldwide. It is now essential to get regular check-ups and take care of the issue before things get out of hand because heart problems affect people of all ages. The costs associated with treating heart diseases may only sometimes be covered by a standard health insurance policy, especially one with a low sum insured. You can manage your health insurance using a health insurance app in India

Check Out These Health Insurance Benefits For People With Heart Disease:

  1. Protection Against A Range Of Heart-Related Conditions

Many heart conditions are covered, depending on the type of policy you buy and the insurance provider. For instance, heart health insurance will pay for expensive treatments like angioplasty, stents, myocardial infarction, heart valve surgery, open chest CABG, etc.*

  1. Financial Assistance

Receiving a critical illness diagnosis can be emotionally traumatic. The patient must have mental peace during this time to concentrate better on the treatment. Excellent medical care is only genuinely accessible with a financial safety net. 

  1. Income Tax Advantages

Investments in family health insurance policies may also qualify for income tax advantages. According to Section 80D of the Income Tax Act of 1961, one may claim a tax deduction of up to INR 25000 in a financial year. However, remember that a method other than cash should be used to pay the premiums. **

  1. Benefit Of Riders

The majority of individual health insurance policies let the person insured buy add-ons. You can add these riders to the procedure to increase coverage by paying a slightly higher premium. Riders can be added to a base plan to add coverages that are not typically included. *

  1. Premium Waive Off

While the patient or insured receives treatment, some heart health insurers do not charge a premium. This ensures the insured person has enough money to cover expensive treatments – families where the breadwinner receives treatment to benefit the most. *

  1. Income Advantage

Some Mediclaim policies for families provide a steady stream of regular income to cover the time the insured must miss from work to receive treatment. It guarantees that the family won’t experience financial hardship and can carry on leading a respectable life.* You can check your policy details on a health insurance app in India.

  1. Comprehensive coverage:
  • Hospitalisation As An Inpatient: When a patient with a heart condition needs to stay in the network hospital for longer than 24 hours to receive treatment, the insurance provider is responsible for covering the cost of care.*
  • Pre- And Post-Hospitalisation: The patient requires medical attention a few days before and after being admitted to the network hospital.
  • Domiciliary Treatment: In some cases, patients with heart conditions cannot be transferred to a network hospital and must continue their treatment at home. Be in control of your insurance using a health insurance app.

Get insured anytime, anywhere! Check out the Bajaj Allianz General Insurance website to learn more and download the app now.

* Standard T&C Apply

** Tax benefits are subject to change in prevalent tax laws.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.