Comprehensive Health Insurance in Chennai: Specialised Plans for Heart Patients

With state-of-the-art infrastructure comprising advanced diagnostics, latest medical technologies, and some of India's finest surgeons, Chennai has emerged as the healthcare hub of South India. From critical medical procedures like bypass surgery and stent implantation to complex heart transplants, facilities for cutting-edge cardiac care are easily accessible in Chennai.

However, quality medical care often comes at a steep price that could financially drain most of your savings without an adequate insurance policy. Having sufficient coverage for regular doctor consultations, essential tests, hospitalisation bills, medication, and post-operative care can ensure that you and your loved ones can access the required treatment without worrying about massive medical bills.

Comprehensive Health Insurance in Chennai

When looking for comprehensive health insurance in Chennai, some key aspects would require your consideration:

1. Higher coverage limits: Opt for a Rs. 10-15 lakh sum insured to sufficiently cover the potential expenses of advanced cardiac surgeries, post-procedure therapy, and rehabilitation.
2. Wide Hospitals Network: Look for insurers that have partnered with premier heart hospitals in Chennai to enable cashless facilities.
3. Pre and post-hospitalisation Coverage: 30-90 days pre- and 60-120 days post-hospitalisation coverage for all associated diagnostic and pharmaceutical bills would make the insurance policy comprehensive.
4. Daycare Procedures: These plans cover dialysis, chemotherapy, and other procedures without requiring admission expenses.
5. No-claim bonus: You get additional protection for every claim-free year through the no-claim bonus.

Insurers like ACKO offer policies with comprehensive features at affordable premiums in Chennai.

Health Insurance for Heart Patients - Key Features

With expenses for bypass surgery alone running up to Rs. 5 lakh on average, adequate health insurance for heart patients ensures that you can access the best treatment without financial considerations dictating your decision-making.

Ideal coverage features for heart patients in Chennai could include:

• Higher insured sum of INR 10 lakhs and above
• Cashless treatment facility at leading hospitals in Chennai
• No sub-limits on treatment procedures
• Cover for pre-existing cardiac ailments after a set waiting period
• Post-hospitalisation expenses for follow-up rehabilitation

List of Heart Ailments Covered

Insurers like ACKO offer  health insurance plans to patients, bundled with add-ons such as unlimited telemedicine and free health checkups. Several heart conditions are covered under standard health insurance plans, but they are subject to policy exclusions and waiting periods.

Some key heart diseases that have coverage include:

• Ischemic heart disease: It includes chest pain and heart attack due to blocked arteries
• Arrhythmia: It refers to the condition of abnormal heart rhythms needing pacemaker implantation
• Heart valve disorders: It is the condition of narrowing valves needing repair/replacement surgeries
• Enlarged heart or cardiomyopathy: This condition arises because of weak heart muscles
• Atherosclerosis: Hardening and plaque buildup in arteries takes place in this condition
• Congenital heart defects: It is an abnormality present since birth
• Heart failure: It means the inability of the heart to pump blood adequately

The associated treatments, such as angiograms, bypass/stent surgery, medications, and transplant surgery expenses, are covered in the hospitalisation claims. Some expenses, however, may have sub-limits. Reading the policy documents carefully before purchasing your coverage is always better. Reliable insurers like ACKO have minimal restrictions.

Specialised Insurance Plans

In case you are already diagnosed with critical heart conditions like congenital anomalies or arrhythmia or awaiting a transplant, you could consider dedicated insurance plans such as:

• Family Floater Plans: These cover heart disease and major other critical illnesses, with a sum insured of Rs 1 crore or more.

Such comprehensive plans cover all your hospitalisation costs, surgery bills, and post-operative expenses so you can completely focus on recovery.

Conclusion

Chennai offers state-of-the-art infrastructure and top-quality cardiac care. However, affordable access to such quality treatment depends greatly on adequate finances or insurance coverage planned well in advance. Partnering with the right insurer, such as ACKO, for existing heart patients could lead to better health out comes.

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