The role of health insurance in controlling costs related to heart disease

Published By: CNBC TV 18

Published Date: 2nd October 2024

Heart disease is a leading cause of death in India, with the country’s cardiovascular disease death rate exceeding the global average. Despite knowing the risks, many Indians overlook the early symptoms of heart diseases. Recognizing the early signs can make all the difference between life and death. Given the high cost of cardiac treatments, experts stress the importance of securing comprehensive health insurance early in life, which ensures lower premiums and shorter waiting periods. Policies with critical illness riders are especially useful, offering coverage for hospitalizations and surgeries.

Key considerations when choosing a plan include accurate health disclosures, inclusion of annual check-ups and preventive care, and access to a strong network of cardiac-specialist hospitals. Choosing the right policy and maintaining transparency can significantly ease the financial burden of heart disease.