A critical illness plan that takes care of your heart

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Abhishek an unmarried 30 year- old man is a big foody. He can’t go a week without having a packet of fries, or a bottle of fizzy drinks. He worked 14 16 hours a day and neglected his diet or exercise. He might be at a risk of developing a heart disease. He started experiencing chest pain last year, he panicked. He immediately visited a hospital, where he was diagnosed with paroxysmal supraventricular tachycardia (PSVT), a disease characterized by rapid heartbeat, shortness of breath, fatigue, anxiety, and tightness in the chest. He has to undergo a cardiac ablation, a surgical procedure used to treat PSVT but that requires a lot of money.

Fortunately, with the advice of his financial adviser Puneet, Abhishek has opted for a term plan which provides a critical illness rider that covers critical illnesses like cancer, heart disease, chronic kidney disorder, organ transplants and so on. It provides the entire lump sum amount on the diagnosis itself and the amount can be used for hospitalization and regular use just as an income replacement. He went on to undergo cardiac ablation, a surgical procedure used to treat PSVT.

Heart diseases account for one in four deaths in the country, data provided by the Registrar General of India show. At a public lecture, ‘Living with heart disease: All about stents and interventions’, delivered at the India International Centre in New Delhi last year, it was stated that one person dies of a heart attack in the country every 33 seconds.

Medical emergencies come unannounced. Therefore, it is imperative that you opt for a critical illness cover, which can cover up for high medical costs in case of chronic diseases such as cancer and heart diseases. To battle against critical illnesses you need early detection, timely medical intervention, and the finances to pay for the treatment. While your regular health plan will secure you against basic diseases or minor ailments it may not be sufficient to cover the treatment costs involved in a critical illness. This is where critical illness cover can ease the pressure and help you focus on your physical and emotional recovery. A critical illness rider allows you to go forward with any kind of treatment without having to think about your finances.

No matter who you are, you are loved by somebody and your life matters to them. And when you love your family, you strive to protect them as best you can. But can you do it all alone? Not really. Even though you might call it a cliché, it’s true: You should always expect the unexpected in life. While it may not be pleasant, the reality is that you will encounter a number of unforeseen events during your life that might threaten the happiness and security of you and your loved ones.

If you are the heart of your family, it is important that you secure your physical well-being not just for your sake but for theirs too. This way, you will always be there to help your loved ones protect themselves from life’s uncertainties.

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