All you need to know about Open heart surgery

What is an open heart surgery?

Any type of surgical procedure where heart is exposed is known as Open heart surgery. These types of surgeries are commonly performed on the muscles, valves, or arteries of the heart. Individuals suffering from coronary heart disease are required to undergo these type of surgical procedures. Owing to this advancement in medical technology and increasing number of treatments available, this type of surgery is also called as traditional heart surgery. The advanced surgeries does not involve exposure of hearts. It is performed with small cuts. Also, less risky than an open heart surgery.

Why is an open heart surgery performed?

• coronary heart disease: Coronary heart disease is one of the most common reasons why an open heart surgery is performed. Coronary heart disease is a condition that develops due to accumulation of plaque on the walls of blood vessels.  It also hardens the vessels. The plaque usually develops due to consumption of junk and fatty food. So, if you are too much into pizzas and burgers, it might lead to some serious heart disorders. Coronary heart diseases leads to obstruction of blood flow to the heart. This is one of the most common reasons of individuals suffering from heart strokes these days. To treat coronary heart disease, open heart surgery is performed.
• Heart valve repair and replacement: Damaged heart valves can be repaired by simple surgical operations. However, if the damage is severe, an open heart surgery will be required to cure the problem.        
• Heart transplant: This is one of the most complicated heart surgeries performed. A damaged heart is replaced with a donated heart.

An open heart surgery is known to resolve a lot critical heart diseases. However, the complexity of it may take a patient long time recovering from it. It usually takes six weeks to six months to feel the full effects of the surgical procedure.  Also, it is important to consult a good health centre for surgical procedures. Apollo hospitals is one of the best in the country. Experts at Apollo will perform open heart surgery in Delhi, Mumbai and across all major centres in the country. 

Stepwise Guide to Buying a Good Term Insurance Plan

A life insurance policy is a vital investment that secures the financial future of your loved ones. A term insurance plan is the simplest form of life insurance that provides a substantial life cover for a minimal premium. As the name suggests, a term insurance is only valid for a certain period of time, after which there will be no payouts or benefits. It a basic life insurance policy, that provides compensation only in the event of the death of the policyholder. Since it is a one-time investment, one has to make the buying decision with caution. Here’s a step wise guide that will help you buy the perfect term insurance policy.

Determine the amount of coverage needed

It very important to assess the financial needs of your family before choosing the amount of coverage. If you do not follow this step, there is always a risk of overbuying or being under covered. Calculate the basic expenses of the family and do not forget to add liabilities such as loan premium, mortgages etc. Once you have the estimate, you can apply for the appropriate insurance cover.

Compare different types of life insurance policies

There are numerous life insurance providers in the market that offer different types of life insurance policies. Hence before making the final decision, ensure that you compare at least three different insurance quotes. This will give you a fair idea about the types of policies that suits your needs.

Ensure that the premiums are affordable

Certain life insurance providers such as AEGON Life offer facilities such as term plan premium calculator to ensure that you can afford the premium. Therefore, it is a good idea to calculate the premium before buying the policy, so that you can be sure about affordability.

Go through the policy documents carefully

Once you have chosen a particular term insurance policy, ensure that you go through the policy documents carefully. If you encounter any doubts about the policy, make sure you clarify them with the insurance company representatives. 

Must Have Insurance Plans for Every Individual

Life can take unexpected twists and turns at any moment. Sudden exigencies may lead to precarious financial situations. Insurance policies are designed to provide financial protection against such unknown risks. Although you do not have the power to prevent the many eventualities of life. The least one could do is be prepared for it, so that life is not affected in an adverse manner. In order to maintain financial stability in life, every individual must own five basic insurance policies:-

Life insurance policy

 Life insurance plans are essential to provide financial protection to your family in case of your untimely demise. A life insurance policy secures the future of your family in exchange for a small amount of premium. Apart from providing financial protection to your family in the time of need, a life insurance policy is also a good investment option. The amount received at the end of the maturity period can also be used for important things such as the marriage of children or retirement planning. Moreover, life insurance policies also offer tax benefits.

Health insurance

Cost of medical treatments are increasing day by day. Hence buying a health insurance plan has become more important than ever. Hospital stays and diagnostic tests can eat away a huge chunk of you savings. A health insurance policy covers all the costs that are involved in the treatment of illnesses and injuries so that you can focus on recovering, rather than worrying about the costs involved.

Automobile insurance

Vehicles are a prized possession for everyone. At times, accidents could occur even if you are not at fault. Accidents cause damage to the vehicles and may also result in legal liabilities. An auto insurance covers the costs of damage to your vehicle as well as covers damage caused to the third parties involved. Furthermore, it also provides protection against any legal liabilities arising out of an accident.

Home insurance

A house is perhaps the most precious asset of all. Home insurance in India covers all the damages caused to your home in case of accidental damage. Building your home from scratch might cost you a lifetime of savings. A Homeowner’s insurance pays for the cost of rebuilding your home in case of damage due to natural calamities, vandalism etc. For additional safety, you can also purchase a fire insurance plan for your home.