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Looking for Best Heart and Cancer Insurance Plans

These days, heart diseases and cancer have become widespread and frequent occurrences. Here are benefits of heart and cancer insurance read on to know.

  • 4,259 Views | Updated on: Dec 26, 2023

These days, heart diseases and cancer have become widespread and frequent occurrences. Whether it is because of lifestyle choices or hereditary reasons - causes can be one too many. If you genuinely think about it, people go through these medical circumstances quite regularly, be it directly or indirectly. Such conditions are uncalled for and have the potential to be mentally and financially draining. This is why heart and cancer insurance is a necessity.

Benefits of Heart Insurance

Cardiac care insurance policy is an excellent addition to your healthcare policies. Many factors contribute to poor heart health, and there is nothing better than being prudent about it. Here are a few benefits -

  • Compensation will be provided to you for loss of income as the claim amount can be utilised for household expenditures.
  • Medical expenses like the cost of hospitalisation, doctors’ consultation, and medication fees will be compensated.
  • Depending on the type of term insurance for heart patients, you will be eligible for the cover outside your country as well.
  • Keeping the booming medical costs in mind, you will be stress-free in this situation as you won’t have to spend out of your savings.
  • You will have unparalleled peace of mind knowing that you have a good backup plan in case this situation arises.

It is important to note, however, that the mentioned benefits are subject to the plan you choose and the kinds of heart diseases it covers. In addition, each plan has its own terms and conditions.

Benefits of Cancer Insurance

Around 2.25 million people in India are living with cancer today and more than 11 lakh cases are registered every year. In the purview of the rising occurrences of cancer and its associated medical expenses, there are chances that any one of us can be affected by it. It is best to stay covered for such times. Here are a few benefits of a cancer insurance policy -

  • You will have financial coverage against different kinds of cancers, depending on your chosen cancer policy.
  • If the policyholder has cancer, then a lump sum benefit is provided at regular intervals to help look into daily household expenses. A steady stream of income is also an option with add-on benefits.
  • Policyholders can continue with their cancer insurance plans even post early-stage diagnosis, as some companies offer premium waive-offs.
  • Depending on the stage, whether minor or major, there is a lump sum payout option.

Once again, the mentioned benefits are subject to terms and conditions. Therefore, it is advisable to go through the features and benefits of each plan before you decide on one. Everybody has their own requirements, and several factors should be considered before settling on a plan.

Health conditions are unpredictable. Nobody has any control over what is going to happen tomorrow. What you can control, though, is your preparation for such an eventuality. So safeguard your health while you can!

- A Consumer Education Initiative series by Kotak Life

Amit Raje
Written By :
Amit Raje

Amit Raje is an experienced marketer who has worked in various Fintechs and leading Financial companies in India. With focused experience in Digital, Amit has pioneered multiple digital commerce in India. Now, close to two decades later, he is the vice president and head of the D2C business department. He masters the skill of strategic management, also being certified in it from IIMA. He has challenged his challenges and contributed his efforts in this journey of digital transformation.

Amit Raje
Reviewed By :
Prasad Pimple

Prasad Pimple has a decade-long experience in the Life insurance sector and as EVP, Kotak Life heads Digital Business. He is responsible for developing user friendly product journeys, creating consumer awareness and helping consumers in identifying need for life insurance solutions. He has 20+ years of experience in creating and building business verticals across Insurance, Telecom and Banking sectors

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