Health care costs have risen drastically over few years and any medical treatment can make a dent on individual’s savings but with the help of these special health insurance plans, an individual can give extra cushion to them and can come out good from these problems.

With the alarming rise in incidence rates of cardiac ailments in India as well around the world and the rising costs of medical expenses insurance companies understand the need for exclusive financial protection specifically designed for cardiac conditions and procedures.

Why is it needed?

According to a World Health Organisation report, India leads the world with the highest rate of cardiac arrests. One person succumbs to a heart attack every 33 seconds in India, adding that youngsters are a majority of the victims of India’s unfortunate annual tally of two million heart attacks.

• Cost of medical treatments is increasing every year.
• Continuous post-surgery treatments, as well as elongated treatment sessions, can adversely affect customers finances.
• It is important you evaluate if you will be able to cope up with all financial necessities in case you are afflicted with a cardiac disease.
• A fixed benefit cardiac plan allows you to avail the best medical treatments by helping meet your medical needs and letting you use your savings for a rainy day.
• You can make your Cardiac Care plan as per your needs with additional plan options.

While if customers are already suffering from Heart Disease, they must explore some interesting options for health insurance coverage for cardiac patients.

Most Health Insurance Policies do not provide customers with cover for complications due to Heart Disease. In the case of a pre-existing cardiac ailment, the cost of premium in the health insurance cover is generally much higher than the average expected premium. Adding to this, even if the hospitalization costs are covered, the health plan pays out may not include out-patient department (OPD) claims.

Even though health insurance policy for Critical Diseases which already covers most cardiac-related diseases along with other major critical illnesses. A specific Heart Disease Cover could provide you with a much-needed financial cover in case of a cardiac ailment. With a Heart Diseases risk or cardiac history or even otherwise, customers should give a serious thought to go for a health insurance for Heart Diseases in view of the prevalence of Heart Diseases in the Indian populace.

It is at times like these that we need more insurance companies to come forward and design specific plans. If we have more plans exclusively meant for the heart patients, it will make their lives a lot easier by taking off the financial burden. Hopefully, in the coming years, other insurance companies will follow Star Health Insurance as it is already offering one and come up with their own plans exclusively meant for cardiac patients.