Heart Attack (Myocardial Infarction) - Critical Illness Insurance

Heart is the most important organ of the cardiovascular system as it has to pump blood to the whole body. It is a muscular organ and needs oxygen-rich blood itself. Coronary arteries are the vessels that supply blood to the heart. Functioning of these arteries is very important to ensure a healthy heart. If these arteries and its tributaries get blocked due to certain factors, it can lead to Myocardial Infarction or heart attack.

Myocardial Infarction simply means death of heart muscle. Symptoms are sudden restlessness, sweating, and breathlessness, and palpitation, jaw pain, left arm pain or chest pain. Immediate medical attention is paramount to ensure minimal damage to the heart. Depending upon the such damage, cardiologist may suggest medical management (i.e medicines like blood thinning agents), Coronary artery angioplasty or an open heart surgery, commonly referred to as CABG (Coronary Artery Bypass Graft). Whatever be the line of treatment, heart attack warrants complete bed rest for at least 1-2 months. This means the patient cannot perform his routine activity and earn his livelihood.

Why is it important to opt for HDFC ERGO Critical illness Insurance Policy, even if you hold an indemnity health insurance plan?

Critical illness health insurance policy is a benefit-plan unlike the conventional indemnity health insurance plans. A lump sum amount (Sum Insured) is paid just upon diagnosis of any of the listed Critical Illness covered in the Policy. In case, your treating doctor recommends a certain line of treatment, critical illness plan by HDFC Ergo will give you a lump sum benefit in one transaction that may be used to pay for the treatment, care, and recovery. The money may also be useful for paying off debts, substituting lost income, or even in adapting to lifestyle changes in some cases. Treating a critical illness may drain away your savings, restrict you from working and earning and affect your routine lifestyle, hence a lump sum benefit in one single transaction up to your opted cover is best for during tough times. Your existing health cover or employee health insurance may cover your medical expenses up to a certain extent, however critical illness cover will offer you a lump sum benefit in one single transaction on first diagnosis or advice issued by a medical practitioner.

Why Choose HDFC ERGO’s Critical Illness Plan for Heart Attack (Myocardial Infarction)?

You may concentrate on your health, while HDFC ERGO Critical Illness cover takes care of the funds. Apart from this, the insurer will also offer monetary support to your family, in case you are busy getting a treatment and there is a loss of income. The lump sum amount is paid in one single transaction on the first diagnosis after a survival period of 30 days. This lump sum amount can be utilized for care and treatment, recuperation aids, paying off debts or fund any lost income due to a decreasing ability to earn. Additionally, by opting for critical illness health covers you can also enjoy tax benefits under section 80D.