General health insurance companies exclude major life-threatening diseases such as cancer and heart ailments from their coverage area. But a few companies meet the need with offering policies largely designed for critical illnesses. Heart and Cancer Insurance plan is accepted by people and the number of the policyholders is increasing day by day. With some major benefits and a strong financial support, this health insurance policy successfully reaches the requirements of the insured.
Such health insurance plan is widely accepted by people because of the growing cases of lifestyle diseases which are as severe as they can even take lives. The reason is no doubt the sedentary lifestyle that today’s generation is knowingly or unknowingly bending to. Critical illnesses do not follow any age-specific boundary as the risk of such illnesses in ageing people is as equal as in youth. Work place tension
bad eating habit, smoking and drinking have their portions in creating a hazardous situation for you.The reports revealed by a renowned global and domestic organization presented that one out of four Indians is having these severe health issues. As the number is rising, general reimbursement plan proves to be insufficient to meet the costs of such diseases.
The Present Costs of Medical Treatment:
The treatment expenses are skyrocketing with time and meeting a simple treatment cost seems difficult for many. The medical attention needed for such life-threatening diseases costs you 2.5 lakh to 20 lakh. The cost will increase as per the choice of hospital and treatment facilities. Meeting this huge amount will push your general lifestyle back. This is why Heart and Cancer Insurance plan proves to be the best option to handle all odd issues without hampering the normal life.
It is always a smart decision to be prepared for the uncertainties. You need to protect yourself from the diseases that you think you are running at high risk. Diabetes patients are also growing in number and many health insurance companies are excluding this health issue from their coverage area. Here such health insurance policies come to help you.
H&C health insurance plans:
These health plans are offering you a long-term coverage at least 10/15/20 years and the benefit amount is much higher than the general health insurance policies have. One can get up to 75 lakh or more for the treatment of such plans. On the event of death, the nominee will get the sum assured.
How they work:
This health plan is specially designed for meeting the treatment costs due to the heart related ailments or cancer. The coverage will include every stage of the treatment (initial-middle-critical). Such plans provide you with a complete flexibility of choosing your desired hospitals. The term of the empanelled hospital will not be there in the policy. The lump sum amount will be paid by the company without the need for any copayments from your side. These policies are designed for a longer time span and you can get the benefits from companies as per the policy term.
Life-threatening diseases are imposing risks higher than you imagine. General health insurance will fall short to meet the expenses of such ailments that need special attention and care. This is why Heart and Cancer insurance policies are designed to relieve the financial burden when the worst situation hits you.