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Understand life insurance after heart attacks
Today, insurance providers are willing to offer credible financial coverage to persons who suffer from heart disorders or have had a heart attack in the recent times. These days, owing to stressful life conditions and unhealthy lifestyle choices, even young persons have become the victims of heart attacks. Therefore, this malady has impacted insurance industry beyond segments and age-groups. However, this does not necessarily mean that if a person has had a heart attack, she/he will never be able to secure a life insurance plan. After undergoing a heart-attack, the health condition of a person becomes extremely vulnerable and has to be monitored from time to time. Regular health check-ups and doctor-visits become a reality of the day and the person has to take a lot of precautions to ensure that there is no relapse. This requires regular and periodic monitoring and this is what is taken into consideration by the insurance providers while offering the coverage of life insurance to such a person.
Generally, insurance providers follow the rule of a particular waiting period, which means that once a person undergoes a heart attack, she/he must keep in mind that there has to be a particular waiting period before buying a life insurance policy. Generally, this waiting period may vary from six months to three years. Thus, a person who has had a heart attack recently must wait for at least six months before deciding to purchase a life insurance plan. This allows the insurance provider to have a complete perspective on the current health status of the prospective policy-holder and therefore, have a better viewpoint over the risks involved. This ensures clarity of action on part of the insurance provider and also ensures transparency of decision-making on part of the probable customer.
HDFC Life offers HDFC Life Cardiac Care a heart-specific plan that is directed at safeguarding your finances in the event of any heart-related contingency and protecting the financial interests of your loved ones during such an incidence. For details, click on the mentioned link: https://www.hdfclife.com/health-insurance-plans/cardiac-care.
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
Written By:
Vishal Subharwal
Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.
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