Health

Is heart illness covered under critical illness cover?

Punjab News Express | November 26, 2019 12:14 PM

What is a critical illness?

You need a plan for when things go wrong. Failing to plan is planning for failure, after all. Life is precious, and there are important preparations that need to be made to make sure tomorrow is safe and peaceful.

Falling down a flight of stairs only to end up in the hospital might be serious to a person's health, and maybe even cause a partial disability or two.

There are policies for individuals suffering from disabilities, and for those suffering from fatal conditions.

 Critical illness health insurancecover is for when life-threatening conditions are detected that seriously threaten your health, and might hinder your ability to work.

For those having dependents such as children or the elderly relying on their income, having finances disrupted can severely cause problems.

Be proactive. Take out a critical illness plan today.

The moment something happens, you don't want to be unprepared.

Your critical illness coverage can assist you with needed help, providing you with a lump sum the moment your illness is diagnosed, giving serious relief. This lump sum can be used towards the day to day expenses and other hospitalisation charges.

Such coverage grants peace of mind, and the satisfaction that your dependents will be taken care of no matter what happens.

They are hassle-free plans requiring only minimum documentation and are easy to get approved.

 If you have a heart condition, you might have several questions regarding critical illness policies and how they affect you. Let us examine heart carehealth insurance plans and what critical illness policies are.

 Heart illness and critical illness policies

 Heart attacks are the leading cause of death in the world. They neither spare the West nor the East, contrary to popular opinion. Chronic stress and sedentary lives are blamed for their role in exacerbating this condition.

 It's important to note that all forms of heart illnesses are not covered under critical illness covers. Only degrees of particular conditions are covered. To find out more, you might want to contact an agent to find out what plan might be suited for you, and choose a policy that is tailored to your needs.

 Interesting facts about heart health and critical illness riders

  • If you have loans, mortgages, or other debts, a critical illness cover in the event of a heart attack will save your savings account from being destroyed because of the medical expenses you might incur.

 Critical illness riders are supplementary to your existing insurance plan. They kick in under certain conditions to cover gaps in your existing coverage.

 This allows you to gain complete protection, covering up the spots where your existing policies don't cover risks and have a more comprehensive preparation for unpredictable events.

 You can improve your health with critical illness covers, as some of them offer coverage of costs of consultation fees and medication. Thus, you can use the policy to improve your health as long as you take advantage of the checkups offered by medical professionals. Proactive treatment allows you to improve your odds of not suffering another health crisis in the future. Prevention is always better than the cure.

 Your policy can change with the times.

As medical science is constantly improving, critical illness policies are a reflection of this. What is perceived as critical illnesses in the past might no longer be fatal because of strides made in medical science.

Only a few hundred years back, certain conditions and heart attacks would be considered immediately fatal. But now, the chances of continuing life after suffering a heart attack is no longer as bleak. People can return to their normal lives with simple measures. Getting a heart attack once is a strong predictor of suffering another heart attack in the future, but steps can be taken to prevent this.

 For heart illnesses, a change in diet might be recommended. Changes such as a reduction in the consumption of saturated fat, cholesterol, and salt might be recommended, along with engaging in low-intensity exercise and getting plenty of fruits, vegetables, potassium, and magnesium to improve general cardiovascular health.

 Cancers that were once considered fatal in the past can now be maintained with palliative care to prolong the patient's life for up to 15 years more under the current medical system.

The changes in medical science, and what is considered critical or fatal is re-examined with time, and you may want to keep your finger on this pulse to find out where the policies may change, and what your needs might be in the future.

  • In the event of a health crisis, it isn't possible for most people to take steps to improve their lifestyle outside the hospital the moment they are discharged.

            With critical illness covers, you can do just that.

The lump sum offered at the moment of diagnosis can be used to pay off debts or use for food and expenses as you rehabilitate at home.

  • Your existing policy will pay out in the event of a health crisis as well, and combined with these two policies, your financial burden at critical moments is taken care of, leaving you to take care of important things like being with your loved ones.

The bottom line

 If medical science carries on as it does, heart attacks might not be a thing to worry about in the future.

You might not be able to avoid heart illnesses, but it is completely possible to take measures to maintain heart health, get an insurance that covers you when bad events happen, and hold your head high and carry on with life.

At the end of the day, you want to live your life and focus on the present. There are enough things to worry about, and taking action against them, such as taking out critical illness policies, are imperative so you can keep moving forward with all your bases covered.

You might find that getting this policy grants you the peace of mind you needed all along, and if that gives you a positive approach to life, it just might be worth its weight in gold.

 

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