Mr. Ashish Mehrotra, MD & CEO, Max Bupa Health Insurance on the World Heart Day

“In recent years, the incidences of heart-related ailments have ascended to alarming levels in the country. To much surprise, more than 50 percent of all heart attacks occur in individuals below the age of 50 and about 25 percent in people below the age of 40, as per data from the Indian Heart Association. Thus, it becomes imperative that people plan their finances well in advance so as to remain protected against any unfortunate incident. Moreover, a health insurance plan is a must in order to prevent expenses that one may have to spend from their own pockets jeopardising the overall budget of the family.

Our claims data for heart related illnesses revealed some alarming facts. According to the data, the ischaemic heart diseases, circulatory related, hypertension and cerebrovascular are the most prevalent forms of heart diseases in the country. The data further showed that majority of claims have been received from metros like Delhi-NCR, Mumbai, Bengaluru, and closely followed by Tier II markets like Hyderabad, Surat, Pune. This clearly shows that even smaller markets are increasingly being affected by cardiovascular related conditions due to sedentary lifestyle, rising stress levels, etc. Further, the data reported that the 46-60 age group is the most affected by heart diseases at 44 percent, followed by the 36-45 age bracket at 21 percent. It was also reported that 28 percent of patients suffering from heart related diseases are women, highlighting the fact that women are also at a great risk of suffering from cardiovascular diseases.

We urge everyone to adopt healthy habits and follow a fitter lifestyle in order to keep heart related ailments at bay. A health insurance cover is a necessity today and should be bought well in advance, after thoroughly comparing features like coverage limit, inclusions/ exclusions, etc. which meets the requirements of an individual or family. Besides, to get coverage against heart related conditions, it is advisable to buy a comprehensive indemnity plan which will cover hospitalization, pre & post coverage, doctor consultation, etc along with a critical illness plan which offers lump-sum pay out and covers many other critical illnesses.”

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