How Insurance Can Help Heart Conditions In India

According to World Health Organisation (WHO) estimates, one in every five CVD-related deaths are reported in India and Indians are susceptible to suffer from CVDs at least a decade earlier than those from other western countries

For most Indians, the COVID-19 pandemic served as a wake-up call to live a healthy life and imbibe basic hygiene habits to ward off communicable diseases. However, non-communicable diseases like various cancers, chronic respiratory illnesses, diabetes, and cardiovascular disease (CVD) amongst many others still account for more than 60 per cent of all deaths in India. In fact, our country has a higher CVD death rate than the global average, earning India the ill repute of being the heart disease capital of the world.

According to World Health Organisation (WHO) estimates, one in every five CVD-related deaths are reported in India and Indians are susceptible to suffer from CVDs at least a decade earlier than those from other western countries. Both misinformation and a lack of understanding about the causes of CVDs can make matters even worse and it is, therefore, important to educate oneself and follow simple rules to reduce the risk of CVDs. 

The increased risk of CVDs amongst Indians can be attributed to a combination of conventional risk factors that include obesity, smoking, alcohol consumption, and leading a sedentary lifestyle. Even amongst the population that does not indulge in such vices, factors such as consumption of foods high in cholesterol, leading a sedentary lifestyle, and a general lack of physical exercise can lead to early onset and rapid progression of CVDs. 

While it is critical to get timely medical attention in case of a heart attack or stroke, it is important to recognize early signs of heart disease and take urgent action to treat it accordingly. Shortness of breath during normal physical activity, fatigue or weakness, irregular heartbeat, and/or high blood pressure can be some of the symptoms of suffering from poor heart health. It is essential to consult a general physician on experiencing any of the above symptoms and conduct all necessary tests to arrive at a proper medical evaluation. 

In case a heart ailment hits you, the cost of treatment can be from few thousands to a few lakhs, depending upon the severity of the ailment and treatment required, and in such cases, an insurance plan can come handy. Insurance plans can help you deal with the expenses needed for the treatment of such ailments as well as for the post treatment costs. Medical insurance and critical illness plan with specific conditions like heart cover can be evaluated. There are heart insurance plans available in India that will pay if one needs to undergo as minor as Angioplasty to as major as heart transplant. 

If you are a heart patient already and looking for a suitable insurance cover, it may be dearer. However, it is always better to evaluate options. 

Always remember to factor in the following aspects before purchasing a policy: 

  • You will be required to disclose information about your health condition, date of the diagnosis of any existing ailment along with the severity of such condition, treatment received / ongoing, tobacco & alcohol usage, pre-existing lifestyle conditions such as obesity, diabetes, high blood pressure, family history, and current medication, among others. 

  • Keep all relevant documents related to hospitalization, consultations, treatment, etc., handy to ensure a smooth buying process. 

  • Figure out the waiting period of different insurers and shortlist ones that offer the shortest waiting periods. This will ensure that you get the desired coverage sooner. However, shorter waiting periods may come at a higher cost. 

  • As mentioned, the insurer will take into consideration any information about how you have been managing your heart condition. If you can establish that you are healthy post the first diagnosis, the insurer may charge lower premiums. However, this is subject to the insurance provider’s discretion. 

Considering the increasing number of cases where young adults are reporting heart issues and many times even succumbing to them, it is vital that any adverse sign or symptom shouldn’t be ignored. That being said, it is important that you keep an open mind when purchasing a life insurance plan with a heart condition. Life insurance is a must-have for any individual looking to provide financial security to his/her loved ones, and it is all the more important for individuals with critical illnesses and ailments to purchase a life insurance plan in order to ensure that their dependents never have to face any financial hassles, regardless of the eventuality. 

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