29/09/2026
Cardiac claims are among the most expensive on a group health policy. They are also among the most predictable.
With blood pressure, lipid profile, HbA1c, weight, and family history, the risk is visible years before the claim. Most employers hold a benefit that pays comprehensively for the event, and a much thinner one for catching the signal.
The gap is usually structural rather than intentional: hospitalisation cover is thorough, OPD and preventive screening are optional add-ons, and screening data never loops back into how next year's programme is designed.
Closing it is not expensive. Annual screening, teleconsultation, and a wellness programme that reaches the people whose numbers actually moved will do most of the work.
Insuring health and investing in it are two different line items. Only one of them changes what you end up insuring against.