Home / Articles / Health Insurance / 5 Things to Know About Heart Disease Coverage in Health Insurance Plan

5 Things to Know About Heart Disease Coverage in Health Insurance Plan

Team AckoJul 22, 2021

Stress. This is one villain that is tormenting a lot of individuals. From students to athletes, everyone faces stress in their daily lives. Unfortunately, today’s high-performance corporate scenario has normalized stress. Despite facing health issues attributed to stress, several executives continue to work under stressful situations to achieve unrealistic goals, and ultimately face massive health issues such as a heart attack!

Heart ailments and surgeries are becoming increasingly common and the expenses associated with them are skyrocketing. Amidst all this, it becomes necessary for people to avail medical insurance policy. However, with several kinds of medical health insurance policies in the market, it becomes necessary to make an informed choice.

Heart Disease Coverage in Health Insurance Plan

Here are 5 Things to Know about Heart Disease Coverage in Health Insurance Plan

1 – Is purchasing a health insurance plan enough?

It is certainly better to opt for a medical health insurance plan as compared to being uninsured. However, if you feel purchasing a health insurance plan is enough to completely insure you against heart ailments, you are mistaken. This is mainly due to the sub limits associated with health insurance policies. Such restrictions will not provide extensive payout during claim settlement.

2 – Is Critical Illness cover a better alternative?

Yes, as compared to a basic health plan, a Critical Illness cover does offer enhanced coverage when purchased as an Add-on. However, it might still not be the ‘perfect cover’ when it comes to heart ailments. Critical illness covers have strict terms and conditions regarding the stage at which the condition can be defined as critical. There might be other limiting terms and coverages depending upon the insurer. Also, one has to figure if the lump sum awarded on diagnosis of illness is enough.

3 – How about dedicated heart-related policies?

These kinds of policies are the right match if you are on the lookout for a comprehensive plan that is specific to heart-related ailments. Insurers offer such policies under different headers with different names. Basic online research will help you understand the different plans available in the market. These can be Add-ons, dedicated Critical Illness plans, specially-crafted policies, etc. As these are specific in nature, they will have less sub limits (like health policies) and limitations (like Critical Illness plans).

4 – Which policy to choose?

There is nothing called as a standard perfect health plan. One has to introspect and find the perfect plan. Simple analysis related to your health, lifestyle, hereditary ailments, personal health fund (for example: fixed deposit for medical emergencies), Group Health Insurance coverage (if any), and existing health-related investments will give you an idea about the required cover. Once you know what you want, then you can easily look online for the most-suitable health plan.

5 – Understanding your medical insurance policy

People often spend a lot of time on checking the inclusions of the policy. However, checking the exclusions of the medical insurance policy is equally important, if not more. When you raise a claim, the insurance company first checks whether the policy is active and then looks at the coverage. Your claim request will move ahead if the condition for which you have raised a claim is included in your policy document. If not, your claim will be rejected straightaway. People feel disheartened when their claim request is rejected. But they fail to realize – how will an insurance company settle a claim if it did not insure the condition for which the claim was raised?

Take time to understand your policy and reach out to insurance company’s executive on call or email to get all your doubts clarified.


Want to post any comments?


CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Savings of upto Rs. 50,000 have been calculated on the IDV of Rs. 18,00,000 and 0% NCB. Amount saved is in comparison to tariff rates. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |

Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.