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Health Insurance for Heart Patients and Cardiac Surgery Simplified
Buying a health insurance plan providing cover for cardiac or heart patients was
never easy. With estimated 32 million cardiac patients, India is the world’s capital
for Cardiac Ailments.
Surveys say that 60% of the Heart patients in the world are expected to be from
India by as early as 2016!
For this reason, health insurance for Cardiac Patients who have gone through PTCA
(Angioplasty) or Bypass surgery in the last 2-3 years is now available.
Who can buy Health Insurance for Cardiac Patients:
- People between 10 years and 65 years.
- Who have gone through PTCA (Angioplasty) or CABG (Bypass Surgery) only once
- Application for this plan has to be made, after 6 months of the surgery to maximum
3 years post the [date of surgery] and not later.
Features of Health Insurance for Heart Patients.
- Standard health insurance coverage: for hospitalizations. This is the normal mediclaim
- Health Insurance coverage for Cardiac Ailments: from the 91st Day. All hospitalizations
related to Cardiac ailments would be covered from the 91st Day.
- Medical Management for all Cardiac related complications: Medical Management, here,
is when a patient is required to be hospitalized for monitoring and managing complications
with drugs in ICU.
- For instance, if a heart patient has excruciating chest (angina) pain. The doctor
examines the patientand advises admission in ICU for monitoring and maintaining
the patient. Once the patient is normal, he is discharged without any surgery.
- Pre Hospitalization Coverage of 30 days.
- Post Hospitalization Coverage of 60 days, subject to 7% of hospitalization expenses
or Rs. 5000 whichever is lower.
- This is an individual policy. There is no floater option available. You will have
to cover the member with Cardiac history in this separate policy.
- Renewable for Lifetime So buy the best health insurance plan for heart patients
online now from Bimadirect.com.