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Why is Cardiac Care Plan a boon for Heart Patients?

Treatment of critical health problems can be costly. Click here to know why heart patients should consider purchasing a critical care insurance plan.

  • Nov 30, 2021


Treatment of critical health problems, like cardiovascular diseases, can be costly. Check out this post to know why people prone to heart-related ailments should consider purchasing a critical care insurance plan.


Due to sedentary lifestyle, insufficient physical activities, poor eating habits, and stress, people as young as in their late 20s and early 30s are prone to cardiovascular conditions. Apart from the physical and mental ramifications, the treatment of heart-related diseases also has severe financial consequences.

This makes a critical care insurance plan a must for people prone to or already suffering from such conditions.

Here are some of the top reasons that make these plans a smart choice for heart patients-

1. Coverage for an Extensive Range of Serious Ailments

Most critical care plans offer coverage for a wide range of serious illnesses. While the coverage can vary between insurers, most such plans cover heart-related ailments, cancer, stroke, liver diseases, and more. Coverage is generally available for the first-time occurrence of such conditions, primary diagnosis, and surgical procedures.

Many of the standard health insurance plans do not cover these conditions. Purchasing a critical care plan as an add-on with a standard health plan prepares you for the uncertainties in life and provides you access to the best medical care if you suffer from any of these severe health problems.

In most cases, critical care plans come with larger coverage. This ensures that they can help the policyholders manage the expensive treatment that such conditions generally require. As for premiums, they depend on an individual’s probability of suffering from such conditions or the severity of the condition if they are already suffering from one.

2. Larger Policy Coverage and Family Floater Option

Another great benefit of these plans is that they can be purchased for individuals as well as for the entire family. With the family floater option, other family members can also be financially protected against a host of critical health conditions.

3. Job Loss Benefit

Many of these severe health problems could also disable you from continuing your professional life. Treatment and recovery could also be time-consuming. But even during this period, the basic household expenses would continue to exist. As a result, most people resort to loans to keep up with these expenses.

But this could be a challenging process as most lenders will reject your application as you are not currently employed. To eliminate these hassles, some of the critical care plans come with job loss benefits. The insurer pays a lump sum amount for the period you cannot work so that you can manage the basic household expenses.

4. Personal Accident and Child Education Benefit

You can now also find critical care plans that come with personal accident benefits. With this feature, the family receives a lump sum payout from the insurer in case of accidental death or permanent disability of the policyholder.

There is also a child education benefit to ensure that the policyholder’s death or permanent disability due to an accident does not impact their children’s academic future. But note that only a few insurers offer such benefits. Read the offer document or product brochure carefully before making a decision.<

Critical Illness Plan for Financial Protection Against Life-Threatening Ailments

Critical Illness Plan for Financial Protection Against Life-Threatening Ailments

With a critical illness plan, patients can access the best medical care without worrying about the expenses. With additional features such as accidental death and child education benefits, these plans help the policyholder, and their family members live a more financially stable life.

Kotak e-Term

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  • Life Cover till 85 years for Life & Life Secure Option
  • 3 Payout Options
  • Special Rates for Women
  • Option to exit the policy with premium refund at the age of 60*
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  • Free Medical Check Up every 5th year**

Ref. No. KLI/22-23/E-BB/2435


- A Consumer Education Initiative series by Kotak Life

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