4 Reasons Why You Must Purchase a Cover for Heart Disease | HDFC Life

Heart ailments are increasing among Indians. The reasons are many and therefore it is better to be prepared and purchase a heart care policy even if one isn't suffering from heart related ailments yet.

Here are 4 reasons, why one must immediately do so:

• People are experiencing heart ailments earlier in life

  According to research, Indians are getting heart attacks almost a decade earlier than other ethnic groups. 40% of those who have suffered heart attack in India are under the age of 55. The reasons are many ranging from genetic to pollution. Life style changes due to a haphazard diet, long and stressful working hours and lack of exercise also increase the chances of heart ailment. Diabetes, the silent killer, which is India's fastest growing disease with more than 7.2 recorded cases is one of the reasons for pre mature heart attacks

• Employer's plan may not offer coverage

  In all probability, the health insurance policy offered by your employer may not offer coverage for treatment related to heart ailments for your dependents or you. It would be prudent to go through all the offerings provided by your employer's health insurance plan. In some cases, the health insurance plan can be withdrawn or its terms can be changed anytime.

• Rising medical costs

  Hospitalization for a few days along with cost of surgery can balloon one's medical expenses. The medical bill may be a lot more than what a vanilla health insurance policy can cover. If average inflation rate over the last decade has been 7%, medical expenses have been rising at almost 15% year on year. Getting treated in the best private hospitals include several expense heads such as doctors' consultation fees, room rent, cost of medicines etc.

• No need to delay treatment

  Many belonging to middle class and lower middle class sections of the society prefer to delay treatment rather than placing their families under financial obligations such as debt or penury. However, delaying treatments would be detrimental to their mortal well-being.

Therefore it makes sense to purchase a plan for cardiac care such as HDFC Life Cardiac Care for even those who are not suffering from any heart ailments yet.