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Do Health Insurance Policies Cover Disastrous Heart Attacks?

Posted On : 13 September 2023, 7 Months Ago. Blog Total Read 156

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Have you ever found yourself lying in bed at night, worrying about the potential financial burden of a catastrophic heart attack? It's a scary thought, but unfortunately, heart disease is the leading cause of death worldwide. While taking care of your heart through a healthy lifestyle and regular check-ups is essential, unexpected heart attacks can still occur. This is where health insurance policies come into play, but the question is: do they cover disastrous heart attacks? In this blog, we'll dive into the specifics of health insurance policies and their coverage of heart attacks, so you can rest easy knowing you're prepared for the worst-case scenario. We will also discuss how a heart attack insurance policy can save you during medical emergencies.

What is a Cardiac Attack?

A heart or cardiac attack is a medical emergency in which the heart’s blood supply is blocked, partially or entirely, resulting in the death of the heart muscle. It can be provoked by a buildup of plaque in the arteries that provide blood to the heart or by a clot that forms in one of the coronary arteries.

CVDs or Cardiovascular diseases are a group of cardiac and blood vessel disorders that include coronary heart disease, peripheral arterial disease, cerebrovascular disease, deep vein thrombosis, congenital heart disease, pulmonary embolism, and rheumatic heart disease.

India is at the number one position with 4.77 million cases of death caused due to CVDs. Over the last several decades, estimates of the prevalence of coronary heart disease in India have ranged from 1.6% to 7.4% in rural populations and from 1% to 13.2% in urban populations. Cardiac attacks and strokes are responsible for 85% of deaths.

What Does Heart Attack Insurance Cover, and what are the Exceptions?

Most health insurance policies provide coverage for the treatment of a heart attack. This coverage typically includes hospitalisation, diagnostic testing, medications, and any follow-up care that may be necessary.

Further, many policies may also cover emergency transportation to a medical facility and rehabilitation services. But, again, you must check with your insurance company to understand the specific coverage included in your plan.

There are some exceptions to what heart attack insurance coverage may not include:

Some policies may not cover the cost of emergency transportation or may limit the amount of coverage available.
They may not cover the cost of certain medications or procedures necessary for treating a heart attack.

Understand the specifics of your health insurance policy and review any exclusions or limitations.

What Are the Financial Implications?

The cost of treating a cardiac attack can be substantial. For example, treating a heart attack in India can cost anywhere from ₹1.5 lakhs to ₹4 lakhs or more.

For those without healthcare insurance, the financial ramifications of a heart attack can be even more devastating. In addition to the cost of treatment, long-term costs may be associated with rehabilitation, medications, and follow-up care.

What Can You Do?

It is significant to make sure that you have adequate health insurance coverage in the event of a heart attack.

First, review your policy to ensure that it provides the necessary coverage in the event of a heart attack.
Then, purchase additional coverage, such as critical illness insurance, to help cover the cost of a heart attack.

Taking steps to reduce your risk of having a cardiac attack is essential. It includes eating a nutritional diet, exercising regularly, discontinuing smoking, and controlling any existing medical conditions, such as high blood pressure or diabetes.

Conclusion

While health insurance policies offer much-needed financial protection against a wide range of health issues, it is important to remember that not all policies are created equal. When it comes to catastrophic events such as heart attacks, it is crucial to read the fine print of your policy and ensure that you are adequately covered for any unforeseen circumstances. By taking the time to understand your policy's limitations and exclusions, you can rest assured that you and your loved ones will be protected in the event of a disastrous heart attack.

It has become important to consider purchasing additional coverage to help cover the cost of cardiac issues. You can also buy critical illness policies to reduce the monetary burden during medical emergencies. Platforms like Niva Bupa provide critical illness insurance plans which cover severe health conditions, including heart issues and related treatments.

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