Clipped from: https://economictimes.indiatimes.com/wealth/insure/health-insurance/world-heart-day-63-fall-in-health-insurance-claims-for-heart-disease/articleshow/86604808.cmsSynopsis
The drop is sharper for women at 63.8% than men at 62.4%, as per the ICICI Lombard data. However, despite the fall in claims numbers for heart diseases, as many as 68% people have bought additional health covers since Covid, while 15% people are planning to increase it.
There has been a steep 63% fall in the number of claims related to heart diseases in the past two years, as revealed by theICICI LombardGeneral Insurance data. Compared with 7,360 claims in 2019-20, there were only 2,737 claims till August 2021.
Women have shown a sharper fall in the number of claims at 63.8% compared with 62.4% for men. This aligns well with the findings of a recent survey by ICICI Lombard, which claims that nearly 87% women suffering from heart diseases are regular with their health check-ups compared with 74% men. The survey was conducted among 1,493 people across the country, in September 2021.
Among cities, Kolkata has seen the steepest fall of 74.9% in the number of claims, followed by 71.6% for Chennai and 70.6% for Pune. As far as surgeries are concerned, there has been a decrease in both elective and non-elective surgeries during Covid, with the numbers falling by 50.5% and 64.3%, respectively.
Despite the fall in claims numbers for heart diseases, as many as 68% people have bought additional health covers since Covid, while 15% people are planning to increase it. This is probably because in the past two years 69% women and 43% men who were suffering from heart ailment, contracted Covid, while nearly two-thirds of the respondents faced heart-related issues after contracting Covid.
Subsequently, more than two-thirds of the respondents have started eating healthy and exercising regularly to stay fit, claims the survey. Besides, 46% people believe health insurance has become a necessity, while one in three believe health insurance is more important now compared to pre-Covid time.
Payout for women has fallen by 57.1%, for men by 55.2%
| Gender | 2019-20 | 2020-21 | 2021-22 (till Aug) | |||
| No. of claims | Payout | No. of claims | Payout | No. of claims | Payout | |
| Male | 5,327 | 680 | 4,616 | 646 | 2,001 | 304 |
| Female | 2,033 | 212 | 1,638 | 182 | 736 | 91 |
| Total | 7,360 | 892 | 6,254 | 829 | 2,737 | 395 |
Kolkata has seen the sharpest fall of 74.9%
| City | No. of claims | % age fall in no. of claims | |
| 2019-20 | 2021-22 (till Aug) | ||
| Mumbai | 1,252 | 403 | 67.8% |
| Delhi NCR | 1,127 | 395 | 64.9% |
| Hyderabad | 565 | 211 | 62.6% |
| Chennai | 500 | 142 | 71.6% |
| Bengaluru | 435 | 159 | 63.4% |
| Pune | 371 | 109 | 70.6% |
| Kolkata | 335 | 84 | 74.9% |
| Ahmedabad | 148 | 75 | 49.3% |
Source: ICICI Lombard claims data
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