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Should You Take a Cardiac Care Insurance Cover?

February 17, 2017

Cardiac care insurance or heart care insurance is a relatively new concept in India. While people are slowly warming up to the idea of a dedicated heart care insurance, sadly heart diseases seem to be catching up much faster. Most of the young population do not consider themselves to be at a risk heart disease. Unfortunately, the health statistics reveal the opposite. Over the past few decades, the incidences of heart disease have been increasing drastically. In the present time and age, heart ailments can affect people of any age owing to factors such as a sedentary lifestyle and unhealthy eating habits. The belief that 'I am too young to worry about my heart health' does not hold true anymore. As per the Indian Heart Association, more than 50% of all heart attacks occur in individuals below the age of 50, while 25% of all heart attacks occur in persons below the age of 40.

Such grim statistics are certainly a cause of worry. To make things worse, the cardiac treatments costs are exorbitantly high. Even a minor heart surgery can set you back by 20-30 Lakhs. Buying a cardiac care insurance cover is a good idea regardless of your age. Besides covering the treatment costs, a cardiac care insurance also helps you focus on prevention of heart ailments. However, if you are an individual with a family history of heart disease, buying a heart care insurance cover should be a priority.

Why should you buy a heart care cover if your health insurance covers heart disease?

This will be perhaps the first question that arises in your mind when you think about buying a heart insurance. While a comprehensive health insurance policy will certainly cover heart healthcare, there are a few limitations. A general health insurance plan will only cover specific heart care treatments. On the other hand, if you have a dedicated cardiac care insurance, you do not have to worry about such aspects. Unlike general health insurance policies, you do not need to make a claim basis your treatment expenses under heart care insurance. You will receive a lump sum amount on the diagnosis of a heart ailment that will cover all the treatment expenses. Additionally, health insurance companies might refuse to enroll individuals who have already suffered a heart attack. A cardiac care insurance does not pose such a problem. Even if you are a heart patient, you can enroll in a heart health insurance. So don't think twice, if you have a high risk of developing heart disease, buying a heart care insurance is the right thing to do.

Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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