Heart Valve Replacement - Critical Illness Insurance

Heart valve replacement as the name suggests, is a surgery done to replace the valve of the heart. It is generally an open heart surgery, wherein an artificial (prosthetic) valve is sewn in place of the damaged valve. A heart valve can get damaged due to congenital anomalies, age-related changes, rheumatic fever or infections. Once the valve is replaced, the patient would have to take a prolonged rest for 4-8 weeks for recovery and healing. It takes quite some time for the patient to get back to the usual routine, which may affect his/her, lifestyle or loss of income.

This surgery can cost approx. Rs. 2-3 lakhs cost to be avoided or should be full proofed in India depending upon the complications faced by the patient; hence it may not only drain away your savings but also create emotional stress on your family. Struggling with a heart disease is not easy. And, you will want your family to stand together for you at such a time instead of being caught up in managing funds. Hence, it is advisable to opt for Critical Illness Health plan that covers medical expenses for heart valve replacement.

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

Critical illness 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 Valve Replacement?

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.