What’s Covered Under Health Insurance for Acute Myocardial Infarction?

Acute Myocardial Infarction & Health Insurance: What’s Covered

Myocardial infarction, or heart attack, is a critical medical condition which occurs when a person’s heart muscles do not get enough blood supply. If the affected person is not treated immediately, it can even cause death.

Getting top-quality treatment for a severe myocardial infarction can be very expensive. Thus, it is essential to get an appropriate health insurance plan with at least Rs. 3 Lakhs as an insured sum. In addition to hospitalisation costs from cardiac ailments, it covers treatment charges for accidents and non-cardiac ailments too.

Cardiac Care Policy Coverage Details

A few major reasons why you should avail health insurance with cardiac coverage are as follows:

• Acute myocardial infarction health insurance covers the cost incurred from inpatient treatment.
• It also offers cashless hospitalisation at network hospitals.
• Preventive healthcare costs, such as regular check-ups, access to fitness and nutrition experts, and consultations with doctors for second opinions, are covered.
• The insurance even covers advanced treatments like minimally invasive robotic surgeries, gene therapy, and so on.

Therefore, a comprehensive heart attack cover goes beyond the conventional medical bills and expenses for diagnostic tests. In most cases, the cost of renting an ambulance is also included in the plan.

Who is Eligible for Myocardial Infarction Health Insurance?

The cardiac cover health insurance policy is mainly designed to cover individuals who have already experienced heart-related medical conditions. Additionally, it covers patients who are recovering from heart surgery. Anyone aged between 10 and 65 can avail of the myocardial infarction cover.

The ailments and procedures that particularly make a person eligible for heart care insurance policies are:

• Angioplasty (stenting) or coronary artery bypass surgery within 7 years of purchasing the policy
• Underlying heart-related conditions treated with RF ablation
• Correction of Ventricular Septal Defect (VSD) or Atrial Septal Defect (ASD)
• Patients undergoing angiography with no additional medical intervention

Your health insurance company will offer coverage if you have previously undergone any of the above-mentioned procedures or conditions.

Why Choose Star Health for Acute Myocardial Infarction Insurance?

You can enjoy numerous benefits if you select Star Health as your health insurance partner. Policyholders can pay off their premiums quarterly, biennially, triennially, half-yearly or annually. Moreover, you can opt for a coverage period of 1/2/3 years. This ensures maximum flexibility while maintaining the affordability of the plan.

If you wish to avail coverage for heart-related surgical procedures only, you can purchase the Silver Plan. On the other hand, the Gold Plan reimburses your medical costs for both surgical and non-surgical procedures. Besides this, both these plans offer a death cover equivalent to the sum insured if the covered individual dies due to an accident.