Are You a Heart Patient? Do You Have a Health Insurance Plan?

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While there’s no dearth of diseases in India, there are some diseases that are growing at an alarming rate. The biggest killer in India though, strikes you right at the heart. Most people in India don’t take heart disease nearly as seriously as they do other diseases, believing it to be something they’ll worry about when they’re older. Well, here’s a newsflash: the Indian population is getting it around 10-15 years earlier than the western population does. Heart diseases are no longer the realm of the aged; they’re now creeping their way towards the younger population. Generally, it can be attributed to higher level of pollution and addictions, higher inactivity levels, cholesterol and blood pressure and heredity. But they’re not undefeatable – taking proper precautions, you can make sure you stay far, far away. You can make sure you eat healthier, stay active, and do your individual best to lessen the carbon footprint. Be pro-active about your health by making sure you visit a dietitian to take care that you get all the nutrients that you need.

But there really is no way you can completely avoid it if you get it due to heredity. An active, healthy life can dramatically lessen the chances of you getting heart diseases, but you really never know. This is why you need to stay prepared to tackle it. If you do get the disease, you’re going to be physically as well as financially affected. Understand that you’ll have to pay for hospital charges, regular diagnostic tests, medications etc. Another thing to remember is that if you get hospitalised at some point due to the disease, you will likely lose out on months of income. While your savings are likely to tide you over for some time, they can’t cover your medical expenses and also your living situation, and even if they do – it can’t be forever. This is why you need to have some kind of back up – insurance, Mediclaim… something that you can depend on to get you through the tough times. It is actually preferable that you get both – it is possible one might cover you for something that the other doesn’t.

If you’ve already got a health care plan or a Mediclaim policy, make sure heart diseases are covered. If you don’t have a policy covering you, you’d best get one. You will find that there are insurance plans that don’t really cover pre-existing diseases. So even if you believe the chances of you getting such a disease are slim, you’d be wiser to play it safe, rather than be sorry later.

 

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