Does Insurance Support Long-Term Care For Heart Failure?

The majority of insurers offer specialised cardiac care health insurance policies that are ideal for people who have a history of cardiac issues or who have undergone cardiac surgical interventions before. However, do they provide coverage to the insured for the long term? Read on to find out about it.

Does Health Insurance Provide Coverage for Long-Term Care for Heart Failure?

If you are wondering whether cardiac health insurance policies offer long-term coverage, then the answer is both yes and no. You will see that most health insurance providers have a set duration for which they extend the coverage benefits of the policy.

For instance, there are some providers who provide post-hospitalisation benefits for up to 60 days from the date of discharge from the hospital.

What are the Benefits of Specialised Cardiac Care Health Insurance Policies?

Apart from post-hospitalisation benefits, here are a few coverage features that you can avail with a specialised cardiac health insurance policy:

• Modern Treatment: Expenses incurred for procedures such as robotic surgeries, oral chemotherapy, intra-vitreal injections, etc., are also covered up to limits.

• Road Ambulance Coverage: Ambulance charges for transportation of the insured person to the hospital during medical emergencies are also covered up to specified limits in the policy.

• AYUSH Treatment Coverage: AYUSH stands for Ayurveda, Yoga, Unani, Siddha, and Homoeopathy. Cardiac specialised policies also cover alternative treatments like AYUSH and expenses related to it.

• In-Patient Hospitalisation: Hospitalisation expenses incurred for a period of more than 24 hours hospitalisation on account of accident, illness, or injury are covered under specialised cardiac care policies.

• Pre-Hospitalisation: Coverage for medical expenses incurred up to 30 days before an insured getting hospitalised is also covered.

What are the Features of a Specialised Cardiac Care Policy?

● Age Eligibility

The cardiac care policies have an age eligibility criterion of 10 - 65 years. It is primarily for people who have had heart ailments in the past.

● Flexible Coverage

Cardiac care policies offer coverage for surgical and non-surgical treatments for cardiac and non-cardiac ailments. The cardiac-related ailments are usually covered after a set waiting period. For instance, most insurers have a waiting period of 90 days before the coverage benefits actually kick in.

● Instalment Options

The premiums of these policies are payable on a quarterly or half-yearly basis. It can also be paid on an annual, biennial, or triennial basis at most insurers.

● Personal Accident Cover

At the majority of insurers, you can get personal accident coverage in the event of death during the policy tenure.

● Outpatient Cover

The necessarily incurred expenses at network hospitals in India are covered up to specified limits (as mentioned in your policy). The coverage limit depends on the type of plan chosen and the insurer.

Final Words

Getting a cardiac-specific policy is a proactive step in the management of heart health. However, coverage does not last forever. Hence, it is of utmost importance that you conduct a proper health insurance policy comparison. This is before finalising your decision on a health insurance policy for cardiac ailments.