Tailored protection: Choosing the right plan option for your health priorities

Adequate coverage in a health insurance plan comes with the right choice. If you are also someone who is finding it difficult to find the right health plan for yourself and your family, you have landed at the right place. Thinking beyond the premium is what helps you make a concrete plan when it comes to health insurance. With SUD Smart Health Care, you have a wide range of options. You are free to pick a plan that caters to your specific health and medical needs. However, before deciding, you need to have clarity over these three different types of SUD Smart Health plans. Read on to learn more about the policy.

Tailored protection with SUD Smart Health Care 1

As discussed above, SUD Smart Health Care is a health insurance plan offered by SUD which is designed to meet your unique health needs. Under SUD Smart Health Care, there are 3 plan options for you to choose from. Depending on your requirements, you can pick any of these:

● Heart Cover
As the name suggests, a heart cover is the plan option that covers major and minor heart diseases and surgeries. Here is the list1:

● Minor diseases
● Cardiac Arrest requiring permanent Cardiac Pacemaker or ICD insertion
● Angioplasty
● Carotid artery surgery
● Percutaneous Transluminal Balloon Valvuloplasty or Valvotomy
● Pericardiectomy.

● Major diseases
● Heart transplant
● Infective Endocarditis Major
● Cardiomyopathy Major
● Myocardial Infarction (First Heart Attack of specified severity) Major
● Open Chest CABG (Coronary Artery Bypass Graft) Major
● Open Heart Replacement or Repair of Heart Valves Major
● Primary (Idiopathic) Pulmonary Hypertension Major
● Stroke resulting in permanent symptoms Major
● Dissecting Aortic Aneurysm Major
● Eisenmenger’s Syndrome Major
● Aorta Graft Surgery.

● Cancer Cover
Cancer can be a life-threatening and financially exhausting disease. Various types of cancer treatments are covered in this plan option.

● Minor diseases
● Early stage cancer
● Carcinoma in situ

● Major diseases
● Cancer of Specified Severity Major
● Aplastic Anaemia Major
● Bone Marrow Transplant

● Heart, Liver, Kidney & Cancer Cover
This is the most comprehensive option among the three SUD Smart Health Care plans. This plan covers major and minor diseases related to heart, liver, kidney & cancer cover.

● Minor diseases
● Cardiac Arrest requiring permanent Cardiac Pacemaker or ICD insertion
● Angioplasty
● Carotid artery surgery
● Percutaneous Transluminal Balloon Valvuloplasty or Valvotomy
● Pericardiectomy.

● Major diseases
● Kidney, Liver, heart transplant
● Infective Endocarditis Major
● Cardiomyopathy Major
● Myocardial Infarction (First Heart Attack of specified severity) Major
● Open Chest CABG (Coronary Artery Bypass Graft) Major
● Open Heart Replacement or Repair of Heart Valves Major
● Primary (Idiopathic) Pulmonary Hypertension Major
● Stroke resulting in permanent symptoms Major
● Dissecting Aortic Aneurysm Major
● Eisenmenger’s Syndrome Major
● Aorta Graft Surgery
● Kidney failure requiring regular dialysis
● Medullary Cystic Disease
● Systemic Lupus Erythematosus with Lupus Nephritis
● End Stage Liver Failure
● Cancer of Specified Severity
● Aplastic Anaemia
● Major Organ /Bone Marrow Transplant.

Choosing the right plan option for your health priorities

Now that you know about the availability of three varied health insurance options of SUD Smart Health Care, let’s move further. Going through the three plan types, you may wonder which one you should choose and why. To sort out your dilemma, here is more clarity on the topic. Read on to know more:

1.Why/ Who should opt for Cancer Cover?2
India witnesses over 10 lakh cancer cases every year and the death of over 7 lakh cancer patients every year2. This is an alarming situation, especially when the numbers are only expected to grow from here. Along with the rising cancer cases, medical treatment costs are equally increasing. Hence, in such times, it is a wise option to choose cancer cover.

With a cancer cover, you can have the peace of mind that your family is financially protected against health mishaps. Even during the treatment procedure, having health insurance allows you uncompromisingly better health care facilities.

2.Who should opt for a Heart Cover?
The surge in heart diseases and failures has been quite surprising in the past few years. More and more people are becoming a target of unhealthy hearts due to the degrading lifestyle and also poor diet. Lack of exercise, long hours of seated work, fewer hours of sleep, unhealthy food habits, etc., have become the new normal. While it may sound convenient to read, reality can be a tough situation.

All those people who have a sedentary lifestyle and are not willing to welcome regular exercise and a healthy diet may be at a higher risk of health issues than others. Hence, having a heart cover has almost become a need today.

3.Who should opt for Heart, Liver, Kidney & Cancer Cover?
The third and the most comprehensive option among all the SUD Smart Health Care plans, the Heart, Liver, Kidney & Cancer cover is a great choice. The heart, liver, and kidney are vital organs of the human body, and in today’s era, related diseases and health complications are on the rise.

People who are looking for a one-stop solution to health care needs can invest in this plan option. Under one single plan, there are coverages for heart, liver, kidney, and cancer as well. People who have a relatively weaker immune system or who work in a risky environment may look for a comprehensive cover.

Conclusion
Choosing the right health insurance plan guarantees you much more than financial protection: access to quality healthcare facilities, comprehensive coverage, and, above all, peace of mind. So, before you make a decision, it’s crucial to carefully evaluate all the available options and pick the one that best suits your needs.

(Reference: SUD LIFE SMART HEALTHCARE UIN: 142N089V01)

Disclaimer
Star Union Dai-ichi Life Insurance Company Limited is the name of the Insurance Company and “SUD Life Smart Healthcare” is the name of the plan. Neither the name of the Insurance Company nor the name of the plan in any way indicates the quality of the plan, its future prospects or returns

SUD Life Smart Healthcare | UIN: 142N088V01 | A Non-Linked Non-Participating Pure Risk Premium Individual Life Insurance Plan Star Union Dai-ichi Life Insurance Company Limited |IRDAI Regn. No: 142 | CIN: U66010MH2007PLC174472

Registered Office: 11th Floor, Vishwaroop I.T. Park, Plot No. 34, 35 & 38, Sector 30A of IIP, Vashi, Navi Mumbai – 400 703 | Contact No: +91 22 7196 6200 | 1800 266 8833 (Toll Free) | Timing: 9:00 am – 7:00 pm (Mon – Sat)| Email ID: customercare@sudlife.in | Visit: www.sudlife.in | For more details on risk factors, terms and conditions, please refer to the sales brochure carefully, before concluding the sale. |Trade-logo displayed belongs to M/s Bank of India, M/s Union Bank of India and M/s Dai-ichi Life International Holdings LLC and are being used by Star Union Dai-ichi Life Insurance Co. Ltd. under license.

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