5 Reasons You Must Get Insurance With Cardiac Cover

Getting Insurance with cardiac cover for preexisting heart conditions was never an easy task. To begin with, the only available plans were too expensive.And most of them came with long waiting periods. So what is the right path to choose to get the required cover for your preexisting heart ailments and still find them to be affordable and providing immediate cover?

Vital makes it possible for you to get Cardiac care health insurance that is affordable, provides the right coverage, and doesn’t limit your claims with waiting periods. You or your loved ones with cardiac illnesses can easily get access to proper hospitalization coverage without having to pay unaffordable premiums or waiting for years for the coverage to get active.

Benefits Of The Right Cardiac Care Health Insurance

If you have a pre-existing cardiac problem, the right health insurance can provide you specialized heart care plans including the following:

i. In-Hospital Care Expenses

This includes coverage for expenses associated with hospitalization when you receive inpatient treatment. It is up to you to determine whether you want to seek cashless option or get the cost of treatment reimbursed. Typically, this will depend on where you get the treatment from and whether they are covered by your insurance.

ii. Pre/Post Hospitalization

Such a heart care health insurance policy should also cover your pre hospitalization and post hospitalization costs. So, the coverage is not just limited to the medical expenses incurred when you are hospitalized.

• Pre hospitalization usually covers 30 days before getting hospitalized

• Post hospitalization usually covers 60 days after getting discharged

iii. Domiciliary Hospitalization

If you are not in the condition to be shifted to a hospital or there is some other reason, such a policy should also cover your expenses for domiciliary hospitalization or OPD treatment. Many times, certain procedures can be performedas an outpatient. 

iv. Annual Health Check-up

The right Insurance with cardiac cover should also cover your annual health checkup. If you are choosing the plan for your family, it should cover the checkup for all the members. 

v. Sum Insured Restoration

Your cardiac cover policy should also have the feature to restore the sum insured if you exhaust the sum under a claim during the policy period. The restored amount is usually available for treatment of other ailments or for other insured family members.

Some of the other benefits of choosing a health insurance that covers pre-existing heart ailments include coverage of ambulance expenses and tax benefits. Ambulance expense coverage is mostly a built-in feature and is capped.

General Benefits

There are many more advantages of getting health insurance with cardiac cover.

Ever-Rising Cost of Medical Treatment

Cardiac surgery or other heart procedures can cost a fortune. The medical bill for cardiac treatment and procedures can be much higher than what a standard health insurance policy can cover. This is another big reason why you should choose Insurance with cardiac cover. And the cost of medical treatment is constantly rising. Treatment of heart ailments requires you to visit the best hospitals. Higher quality healthcare comes at a premium.Getting adequate cover for cardiac ailments can help ensure that there is no more compromise with your health or savings.

No Room for Delays in Treatment

The adequate cover provided by Cardiac care health insurance can also prevent any delays in treatment. Lack of complete funding will no longer be a reason to delay life-saving treatment. If you are worried about heightened premiums for cardiac cover, Vital provides the option of easy monthly premiums. Besides, you can also seek EMI payments for elective procedures.

Having a health Insurance with cardiac cover can make all the difference in your life. At Vital, our experienced health insurance experts can guide you in choosing the best health insurance cover to provide you total peace of mind.